Data processing: financial, business practice, management, or cost/price determination inventions 06/06

20060143032 - Advanced electronic notification for a mailpiece: A system and method for providing mailpiece notification to a mailpiece recipient prior to delivery of the mailpiece from a postal carrier system in which a database is accessible by the postal carrier system that contains a recipient's prescribed mailpiece address information and preferred communication channel for receiving the advanced...

20060143039 - Apparatus for designing and a machine for franking a personalized mail template: The franking machine for franking a mail item comprises: obtain and read means for obtaining and reading a computer file representing a certified personalized mail template, as created by design apparatus, on the basis of a general template and of personalization data for personalizing said general template; and conveyor means...

20060143022 - Consumer care management method and system: In the consumer care management system and method of the present invention, a system and method is provided for evaluating the needs of the visually impaired as well as providing a uniform service quality to the consumer through uniform assessments and analyses regardless of the extent of the consumer's impairment....

20060143020 - Device capable of easily creating and editing a content which can be viewed in three dimensional way: A depth in a z axis direction is set for each figure drawn on a xy plane in an image that includes figures, so that each figure exists in each layer that has been set for each depth in the z axis direction, and thereby, stereoscopic contents are prepared in...

20060143036 - Facility usage information processing apparatus, method for information processing thereof and portable terminal apparatus: Usage status in a facility is comprehended so that service information such as user waiting times is quickly offered to users and others. This is configured to comprise detection units (antennas) detecting unique information of tickets carried by visitors in areas for keeping the visitors waiting, and a calculation unit...

20060143040 - Icfoundation web site development software and icfoundation biztalk server 2000 integration: A system and method for use in managing a system site for e-commerce. The system accepts user input via a wizard to create objects which function to at least retrieve data from a database and accepts user input via a wizard to create scripts which function to at least convert...

20060143025 - Live dissatisfaction alert & management system: A Dissatisfaction Alert and Management System and process for monitoring, Alerting and managing in real time negative Customer Experience's in retail and retail service environments. A system which Alerts clients in real time to poorly scoring pre-defined performance parameters flagged as important to a positive Customer Experience and Satisfaction with...

20060143031 - Method and system for dynamic creation of web services: A method (50) of dynamic creation of web services includes exposing (51) a flow of a service being built to other service providers in a network, soliciting (52) for services needed by a flow node of the flow, and enabling (55) other service providers to fill-in the services needed for...

20060143033 - Method for providing advanced notification of mailpiece contents: A method for providing mailpiece notification to a mailpiece recipient prior to delivery of the mailpiece from a postal carrier system in which a database is accessible by the postal carrier system that contains a recipient's prescribed mailpiece address information and preferred communication channel for receiving the advanced notification regarding...

20060143038 - Method of and system for distributing secure items: A method of and system for distributing secure items, monitoring the distribution process and producing alarms in the event of errors are disclosed. The method comprises the steps of receiving pre-delivery data at a distribution server, the data detailing a plurality of secure items which will be received at a...

20060143024 - Methods and systems that calculate a projected utility of information technology recovery plans based on contractual agreements: In at least some embodiments, an apparatus and method may receive parameters of an information technology (IT) infrastructure and formulate one or more IT recovery plans based on the parameters. The apparatus and method may further calculate a projected utility for one or more of the IT recovery plans based...

20060143028 - Network analysis system and method using business value: A network analysis system and method is disclosed. In one embodiment, the invention includes a method for analyzing a network having a plurality of network links. The method includes determining network subscriber usage associated with each link. A subscriber business value associated with each link is determined. A link business...

20060143026 - Network usage analysis system using cost structure and revenue and method: A network usage analysis system includes a data collector that is coupled to a network comprising a plurality of links over at least one selected geographic area. The data collector collects usage data corresponding to a level of use of the plurality of links, the cost of maintaining the plurality...

20060143027 - Network usage analysis system using subscriber and pricing information to minimize customer churn and method: A network usage analysis system includes a data collector that is coupled to a network. The network has a first and a second network service provider and the first network service provider has a selected subscriber. The data collector collects usage data corresponding to a usage metric for the selected...

20060143021 - Procedure and interactive communication unit for initiating purchase through the internet between a seller and a buyer: The invention relates to a procedure according to the invention for initiating purchase through the Internet between a seller and a buyer, in the course of which the virtual data units of the seller's products and/or services is sent to the buyer's communication unit through a signal forwarding network, and...

20060143023 - Questionnaire software module: A software questionnaire module, which is adapted for use online, permits a questionnaire to be electronically distributed, monitors deadlines and effects reminders, when necessary, and automatically collates and distributes results of a questionnaire to relevant users of the module....

20060143035 - Semiconductor-integrated device, electronics device using the same, and accounting method concerning the use thereof: Since a semiconductor-integrated device or software that runs on the device is conventionally of a business model to sell it as a component, such device or software does not earn stable profits. In addition, a dynamic reconfigurable processor which dynamically reconfigures a functional cell is capable of realizing a high...

20060143029 - System and method for identifying, representing and evaluating information and decision flow requirements and processes in a transactional business system: A system for representing information and decision flow requirements in a transactional business process is provided. The system comprises an information gathering object and a decision object. The information gathering object represents a piece of information used in the transactional business system and the decision object represents a satisfying condition...

20060143037 - System for taking over and operating services and installations at a site: The system for taking over and operating services and installations at a site comprise portable means for collecting data at the site and a central unit comprising a module for analyzing the services and technical installations of the site, a computer-assisted maintenance manager module, and a module for following up...

20060143034 - System supported optimization of event resolution: A system being monitored generates alerts directed at participants as events to be resolved occur. As a participant resolves an alerted event, the system logs the steps taken by the participant to resolve the event and stores the event resolution log associated with the event. From that event resolution log,...

20060143030 - Systems and methods for best-fit allocation in a warehouse environment: In accordance with some embodiments of the invention, an optimal allocation of items to meet a particular order is calculated. The items, then, may be allocated to the order according to the calculated allocation. In one set of embodiments, a procedure may be implemented to allocate items so as to...

20060143045 - Apparatus and method for the mobile visual display and modification of bed management information and patient placement information: An apparatus and method for using a mobile computer device for graphically displaying and modifying information in a manner to enhance comprehension of the information and allowing for the mobile and decentralized management of information to be accomplished, wherein such information may be related to bed management and patient placement...

20060143044 - Characteristic-based health care resource scheduling method and apparatus: A technique for scheduling health care resources accesses performance data for any relevant resources required or desired for carrying out a procedure. The resources may include equipment, facilities, personnel, service providers, and so forth. The performance data may include indications of durations required for each of the resources for the...

20060143047 - Clinical trial management system: A system for designing and monitoring clinical trials includes a main database of information concerning prior clinical trials and resources available to conduct future clinical trials. In part information in the main database is obtained through data links to other databases in the enterprise, e.g., human resources and finance databases....

20060143046 - Medical support system: The present invention provides a medical support system capable of properly supporting entry of medical information by a medical professional. A medical support system stores, as medical data, first medical information entered by a medical professional as an operator, and second medical information entered without direct intervention of the medical...

20060143042 - System and method for cost accounting in a healthcare environment: The present invention is directed to a method and system for generating cost accounting data. The method may include retrieving information including descriptive attributes that represent content captured during patient care. The method may additionally include associating each descriptive attribute with a cost. A system may be provided for generating...

20060143041 - System and method for managing medical facility procedures and records: The invention facilitates the efficient administration of medical offices and patient records including visual coordination of room, patient, and task status indicators. The invention also enables improved document review and transcription management....

20060143043 - System and method for orchestrating clinical collaboration sessions: A system and associated methods for orchestrating a collaboration session are disclosed. One method involves orchestrating a collaboration session between a requesting clinician and another clinician where information is exchanged electronically. According to the method, requests for collaboration sessions are received by a computer system from the requesting clinician, with...

20060143050 - Healthcare management system using patient profile data: The present disclosure is directed to a system and method which gathers information from all of a person's healthcare providers and abstracts from that information the data necessary for a healthcare provider to render informed medical decisions. In one embodiment, information necessary to process proper payment to a provider (re:...

20060143052 - Method, system and article of manufacture, such as a card, to provide user selectable medical information and information to obtain elegibility of healthcare payments: An article of manufacture, such as a credit card sized health card having a magnetic strip, includes user selected medical information and/or information to obtain medical information of an individual and eligibility of healthcare payments in an embodiment. A user may customize the medical information displayed on the health card....

20060143051 - System and method for managing patient care: The present invention is directed to a system and method for providing care to a patient, comprising a patient care device having a number of configuration databases stored in a memory in the device. Each configuration database preferably includes protocols, operating limits, rule sets and/or operating features that collectively define...

20060143049 - System and method for selecting healthcare management: The present invention is directed to a system and method which allows a prospective insured to make an informed decision on healthcare insurance or a specific health care management decision by using a current medical profile to assist in their selection. Based on past medical care, as obtained from payor...

20060143048 - System for individual healthcare information: The present invention discloses a medical information system comprising a main database comprising standardized diagnosis and treatment information regarding medical conditions, at least one affiliated database comprising customized diagnosis and treatment information regarding medical conditions, and a health care provider user interface for accessing said databases, arranged to allow a...

20060143053 - Insurance product: An insurance product, a method of insuring an article and an a method of compensating an insured person. The insured article is, in particular, a vehicle, motor bike or boat. An insurance product is provided comprising a policy whereby the insurer undertakes to compensate an insured person for a loss...

20060143054 - Method and apparatus for insuring multiple unit dwellings: A method and apparatus for insuring both the owner and tenants within an apartment or multi-unit dwelling comprising: inputting into a computer processor a database of building physical information, occupancy information, and tenant rental information; inputting into the computer processor an insurance qualification program for tenant insurance covering both the...

20060143056 - Method and apparatus for insuring multiple unit dwellings: A method and apparatus for insuring the owner of an apartment or multi-unit dwelling from damage to his building caused by his tenant's unintentional acts comprising: inputting into a computer processor a database of building physical information, occupancy information, and tenant rental information; inputting into the computer processor an insurance...

20060143055 - Method for increasing liquid assets available to at least partially fund living expenses at an assisted living facility: A method for increasing liquid assets available to an individual to at least partially find living expenses of the individual at an assisted living facility includes consulting with the individual to identify whether the individual owns a life insurance policy and, if he or she does, advising the individual as...

20060143057 - Integration of distributed business process models: A process modeling tool provides a process designer with the ability to design a plurality of business process models that include tasks for achieving a desired result(s). The process modeling tool allows the process designer to merge the process models into a merged process model by replacing event flow coordinators...

20060143058 - Operator network that routes customer care calls based on subscriber/device profile and csr skill set: An operator network is capable of routing incoming customer care calls to specific customer care representatives based on a subscriber profile and customer service representative (CSR) skill set. The device profile is retrieved from the mobile handset while the incoming customer care call is in a queue waiting to be...

20060143059 - System and method for minimizing transfer of motion picture data manipulated with outsourced labor: System and method for minimizing transfer of motion picture data manipulated with outsourced labor to allow locations with low bandwidth communications links to be used. Allows for transfer of a small version of a workpiece, e.g., a compressed version of an image, receipt of manipulation commands from outsourcing site and...

20060143062 - Dynamic capacity demand profile construction with a persisted capacity demand profile and a collision buffer: A method is described that involves locking a capacity demand profile of a resource for the use of a transaction. The method also involves obtaining a portion of the locked capacity demand profile. The portion describes the capacity demand profile over a time interval in which a locked out transaction...

20060143060 - Integrated scheduling system for health care providers: A technique for scheduling health care resources includes identifying particular characteristics of either the resources required for a procedure to be scheduled, or characteristics of a scheduling request. The characteristics may include a particular type of resource, its capabilities, skill levels of personnel, and so forth. Characteristics of requests may...

20060143061 - Multipass scheduling system: A method and apparatus for generating schedules are disclosed. Method includes executing a current algorithm in a sequence of algorithms performing specified scheduling functions and determining a level of progress made by the current algorithm. Method further includes executing the current algorithm while the level of progress meets predetermined criteria...

20060143063 - Systems, methods and computer program products for compact scheduling: Methods, systems and computer program products are provided for allocating resources in a plannable process, wherein a number of resources is used for executing an order comprising a chain of related activities to be executed on the number of resources. In one implementation, a method comprises, for each order, identifying...

20060143065 - Apparatus and method for automatically managing and performing schedule: A method for managing user schedules, which includes inputting data; determining if the input data corresponds to schedule data or request data; extracting a function necessary for executing an action which a user must perform at a specific time for the schedule data or the request data; determining a main...

20060143064 - Method and system for managing events: The invention concerns a method (300, 500) and system (100) for managing an event. The method can include the steps of assigning (312) a number of participants (410) to participate in an event, selectively monitoring (314) the participants beginning at a predetermined time and based on the monitoring step, selectively...

20060143070 - Lubricants product management system: The invention includes a method for lubricating oils product management including: inputting alphanumeric data into one or more data structures, the data structures configured and adapted for storing, updating, modifying, deleting, and searching data including historical lubricant management costs, historical lubricants volume consumption, projected lubricants volume consumption, projected lubricant management...

20060143072 - Method and apparatus for collaborative filtering of card member transactions: The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members...

20060143069 - Method of designing a desirable customer experience: A method of designing a desirable customer experience is disclosed. The method includes identifying a target customer. Also, the method includes determining the desirable customer experience. In determining the desirable customer experience, the desires of the target customer are identified at each stage of a customer lifecycle, wherein each stage...

20060143071 - Methods, systems and mediums for scoring customers for marketing: Methods, systems, and mediums for calculating a score that predicts customer activity in the future such as whether the customer will make a purchase, visit a store, etc., or how much money the customer will spend, how many times the customer will shop, etc., are provided. In certain embodiments, these...

20060143073 - Process and system for integrating information from disparate databases for purposes of predicting consumer behavior: A process and system for integrating information stored in at least two disparate databases. The stored information includes consumer transactional information. According to the process and system, at least one qualitative variable which is common to each database is identified, and then transformed into one or more quantitative variables. The...

20060143068 - Vendor-driven, social-network enabled review collection system: The embodiments of the present system include a review engine that is connected to support modules and databases that receive, store and retrieve reviews, based upon the subject and the users' relationship to the authors of the reviews. The review engine comprises a social network engine, a rate and rank...

20060143066 - Vendor-driven, social-network enabled review syndication system: The embodiments of the present system include a review engine that is connected to support modules and databases that receive, store and retrieve reviews, based upon the subject and the users' relationship to the authors of the reviews. The review engine comprises a social network engine, a rate and rank...

20060143067 - Vendor-driven, social-network enabled review system with flexible syndication: The embodiments of the present system include a review engine that is connected to support modules and databases that receive, store and retrieve reviews, based upon the subject and the users' relationship to the authors of the reviews. The review engine comprises a social network engine, a rate and rank...

20060143074 - Vender evaluation method: A vender evaluation method is provided, which is used to enable the control and management department responsible for controlling evaluation procedures to authorize an evaluation staff to enter evaluation data into a digitalized vender evaluation form by making use of an application server and an evaluation staff list. A vender...

20060143082 - Advertisement system and method: A system and method allowing customers to create and place advertisements on advertisement presentation nodes via a communication network....

20060143078 - Advertising through recyclable digital cameras: Data of updated or new advertising messages are loaded into a non-volatile memory of a digital camera in the course of it being recycled. The user of the camera therefore receives the updated or new advertising messages as a part of recycling the camera. There are a number of ways...

20060143075 - Assumed demographics, predicted behaviour, and targeted incentives: A system and method for anticipating consumer behavior and determining transaction incentives for influencing consumer behavior comprises a computer system and associated database for determining cross time correlations between transaction behavior, for applying the function derived from the correlations to consumer records to predict future consumer behavior, and for deciding...

20060143079 - Cross-channel customer matching: A system and method for conducting cross-channel customer identification comprises accessing, for a selected customer and a selected channel, a customer profile that records values for a plurality of customer profile attributes that are independent of the selected channel; comparing the accessed customer profile with a plurality of corresponding customer...

20060143080 - Generating and/or serving dynamic promotional offers such as coupons and advertisements: A promotional offer may be generated by (i) accepting information concerning at least one of (A) a search query entered, at a client device, by a user, (B) an item or establishment which is the subject of a search result selected by a user using a client device, (C) one...

20060143081 - Method and system for managing customer network value: A method, system and computer program product are disclosed for evaluating a customer network value of a set of customers for a given marketing campaign, said method comprising the steps of storing for each customer static information, collecting for each customer, historical and time cumulative network behavior data, building a...

20060143077 - Method and system to ensure maintenance of individual government benefits in a retail environment: Aspects to ensure maintenance of individual government benefits in a retail environment include identifying of an individual shopper with an associated level of available benefits during a shopping session. Purchases relative to predetermined criteria, including the associated level of available benefits, are tracked. Scheduling a next appointment during the shopping...

20060143076 - Method of advertising: A method of distributing advertisements, including the steps of placing ads on garment hangers, arranging the hangers ads in a collated sequence, and delivering the collated hanger ads for retail distribution....

20060143084 - Software and method for advertisor sponsored events within a private centrally managed local or distributed network of users and an optional associated private network card for specialty marketing identification or banking: The present invention provides a business method, computer system and software that permit a digital media peer-to-peer or server-to-peer exchange, with sponsored media access, while providing a secure and high speed transmission of media files across an internet, intranet or cable network in such a manner as to avoid illegal...

20060143083 - System and method for providing electronic information relating to printed advertisements: The present invention relates to a system and method for providing information about commercial opportunities located at disparate locations through the use of corresponding print and electronic records....

20060143086 - System and method for tracking web campaign effectiveness: Events generated by customer interaction during an internet-based session are made available for use by a system for tracking the effectiveness of web advertising campaigns. Event occurrences are collected for evaluation to determine whether campaign goals are being met. Campaigns are defined by rules indicating which ad content is to...

20060143085 - Universal player rewards system: An electronic game including at least one display exhibiting a plurality of windows or segments each displaying a different subject matter is disclosed. The different subject matter in each of the plurality of windows preferably includes a real time promotional points total, an awards display, a sponsor advertising material display,...

20060143087 - Restaurant management using network with customer-operated computing devices: The present invention provides restaurant management method in which a customer operates a computing device to make requests. A waiter can fulfill the request on the next visit to the customer's table, instead of having to visit the table first to obtain the request and requiring a second visit to...

20060143088 - Retail distribution of otc automatic external defibrillators: A method of distributing over-the-counter automatic external defibrillators is provided which strikes a balance between the desire to facilitate widespread OTC AED distribution without recording purchaser contact information at the point of sale and the desire to be able to contact OTC AED purchasers in the event of the need...

20060143089 - Method and device utilizing polymorphic data in e-commerce: An aspect of the present invention includes a protocol for conveying data during an e-commerce session with a polymorphic response, comprising initiating a session with a message from a buyer application to a broker application and a session identifier assigned by the broker application; conducting the session between the buyer...

20060143090 - Method and system for identifying wireless network coverage gaps: Described is a system which includes a wireless arrangement and a mobile unit. The mobile unit may include a wireless transducer and a data acquisition arrangement (“DAA”) which obtains identification data from an item located at a predetermined location. The wireless transducer sends a transmission to the wireless arrangement which...

20060143095 - Method and system of an integrated business topography and virtual 3d network portal: The present invention provides a method of operating an on-line market system by receiving a photograph of a plurality of sides of a product, constructing a three dimensional product image from the photographs, and displaying the three dimensional product image in a three dimensional mall representation. Additionally, by receiving at...

20060143092 - Modular sex toys and sales thereof: A method and apparatus for selection of a modular sex toy are provided. In one embodiment, a method of providing a sex toy is provided. The method includes providing a plurality of modular component options to a user through a user interface. The method also includes receiving selection of a...

20060143093 - Predictive user interface system: A user interface system decreases the number of user interactions with a computer user interface, used to select items in multiple related menus, through a comprehensive heuristic menu arrangement control by providing several discrete, yet complementary, features. The system enables user selection of related parameters identifying an order for providing...

20060143094 - Providing purchasing opportunities for performances: In one general aspect, information associated with media residing on a client is identified. One or more performances are automatically retrieved from a network device. At least one performance associated with the identified media is identified based, at least in part, on the media information. The at least one performance...

20060143091 - Shopping assistant method and system: A shopping assistant method and system provides a consumer with a mobile terminal in a shopping mall as a shopping assistant. The consumer can input a shopping list to the mobile terminal in advance and login at an entrance of the shopping mall in a wireless way for sending the...

20060143096 - System and method for influencing a position on a search result list generated by a computer network search engine: A system and method for enabling information providers using a computer network such as the Internet to influence a position for a search listing within a search result list generated by an Internet search engine. The system and method of the present invention provides a database having accounts for the...

20060143097 - Process of sending access data to a vehicle mounted subscriber station for a special access mode to a service provider station: A process provides access data to a transportable subscriber station, for establishing access to a service provider station. A first access mode which can be provided using first access data includes a first network that is accessible by means of a selectable network account, a first switching station, and a...

20060143098 - System and method for service activation in mobile network billing: Embodiments described herein provide a user with the ability to select from a list of available services that can be used on a mobile device. The services include device-based services and device-network based services. The activation, usage tracking and deactivation of a selected service can be conducted at a central...

20060143106 - Compensatory ratio hedging: Compensatory ratio hedging is a methodology whereby an amount of a bond that is hedged by a swap varies during the life of the swap, per a predetermined schedule, such that the change in the swap's mark-to-market dollar value is equal to the change in the bond's market value caused...

20060143103 - Method of facilitating, managing and financing environmentally focused projects: A method of funding environmentally-driven public or private works projects (e.g., stormwater management and diesel fuel usage and emissions reduction projects, and generally any environmentally-driven project) that creates legacy utility or user fee-based programs so as to address urgent or mandated, environmental-related public concerns. The fund is employed to allow...

20060143105 - Portable alpha-plus products having a private equity component: A financial product. The financial product includes a cash component, an alpha engine component, a private equity component and a beta component. The cash component includes an investment in a liquid portfolio. The alpha engine component includes an investment in an alpha-generating portfolio. The private equity component includes an investment...

20060143101 - Secure cards and methods: The present invention generally relates to credit cards and debit cards. More particularly, the present invention relates to security methods and techniques that can be used with credit and debit cards and the like in order to provide protection against unauthorized use....

20060143104 - Software solution for debt recovery: An improved and automated software system that allows inexperienced users to service debts, and quickly increases debt servicer effectiveness while decreasing the time and expense necessary to process a collection effort in accordance with ever-changing court forms and regulations. UCC-compliance, etc., thereby adding consistency and quality to a businesses' collection...

20060143102 - System and method for a performance incentive plan: The invention relates to a novel incentive and compensation plan for motivating and rewarding employees, and a computer system for implementing said plan. It is an object of the present invention to provide a stock-based incentive and compensation plan that rewards employees based on the performance of the company. The...

20060143099 - System, method, and computer program for creating and valuing financial insturments linked to average credit spreads: A system, method and computer program for creating and valuing financial instruments (including but not limited to futures, forwards, call options, put options, swaps, “swaptions”, and “op-swaps”) linked to average credit spread information. The present invention will be referred to in this application as an average credit spread-linked financial instrument,...

20060143100 - Variable incentive fee for hedge funds and other pooled investment vehicles and separate accounts: An incentive fee for a manager of a hedge fund or other pooled investment vehicle or separate investment account is disclosed. The percentage of the gains that is allocated to the incentive fee is proportional to the percentage gains of the underlying fund or account....

20060143107 - Computerized method and system for creating a new brokerage account: A computerized system for creating a new brokerage account is disclosed. A new account wizard software component guides a user through a series of data collection procedures using a rules based engine to facilitate data collection processing according to a plurality of data collection rules that are stored in a...

20060143110 - Computer-implemented securities trading system with a virtual specialist function: A computer-implemented financial management system provides the trading of securities via a network using virtual currency. A server computer receives buy and sell orders for derivative financial instruments from a plurality of client computers. The server computer attempts to match the buy and sell orders and then generates a market...

20060143109 - Method and system of listing an item in a fixed-price section: A method and system includes listing an item for sale in a first section of an electronic system and listing the item in a second section of the electronic system. In an example, the first section may offer the item for sale from a time A to a time B,...

20060143108 - Negotiation system: Negotiations for internet-based auctions or other bidding processes use a plurality of computer-based agent means 21,23,24. An originating agent 21 first defines the rules of the session by retrieving from a store 22 a previously-generated definition of the interactions required in a negotiation, and the purpose of each interaction, and...

20060143111 - System and method for trading spectrum rights: An exchange platform for facilitating a transaction involving spectrum assets is provided that includes a database operable to store information associated with at least one spectrum asset that includes virtual rights to be afforded to a holder of the spectrum asset. The database is further operable to communicate with an...

20060143112 - Dealer-located vehicle refinance system and method: A system and method relates to refinancing a vehicle at a vehicle dealer location. The method can include obtaining vehicle information at a dealer location for a vehicle that is financed to an owner with a first loan, providing a promissory note and security agreement for a second loan on...

20060143115 - Enterprise risk management system: A method and system (100) for identifying, measuring and managing the risk associated with a commercial enterprise....

20060143114 - System and method for determining a premium for insurance for a security: A method for determining a premium for insuring a security comprising the steps of determining an insurance risk premium based upon a security to be insured, determining an expense and profit load, and combining the insurance risk premium and the expense and profit load to determine a total gross premium....

20060143113 - System and method for guaranteeing a financial loan: If a loan applicant verifies in a timely manner the information they provided at the time of their application and they maintain that information until their closing, then a mortgage broker or mortgage banker will guarantee to deliver the exact mortgage terms contained in the customer's mortgage pre-approval or pay...

20060143120 - Apparatus and method for indicating the status of transaction function devices in an automated banking machine: An automated banking machine includes a plurality of transaction function devices, including a cash dispenser. The machine can generate an HTTP record including indicia representative of an operational status of at least one transaction function device. The machine includes a server. The HTTP record can be accessed through the server...

20060143117 - Automated transaction control method, automated transaction device, and storage medium stored program for same: An automated transaction device verifies individual data of storage media against input individual data, and performs automated transaction. In order to prevent degradation of service to a user even when biometric authentication is not successful, a control unit of an automated transaction device, even when biometrics authentication is unsuccessful, effects...

20060143116 - Business analytics strategy transaction reporter method and system: A business method and system is provided for reporting routing transactions using business strategy and tactics information. In one embodiment, a contact center evaluator, a routing rules engine and a business rules evaluator are provided. Information may be input into the contact center evaluator from a contact center and to...

20060143121 - Electronic factoring: The present invention is a method and system for electronic factoring. An electronic platform is provided for guaranteeing payment of receivables. Information from users is input into a profile database upon the electronic platform and is accessible by all users. The buyers are assigned a credit limit and are able...

20060143119 - Secure networked transaction system: A method and system for approval by a verification computer of an online transaction between a user computer and a merchant computer over the Internet. The user computer transmits a transaction request to the merchant computer, which may include a product to be purchased and the payment amount. The merchant...

20060143118 - Systems and methods for price matching on funds transfers: Systems and methods for performing financial transfers. In some instances, the methods include providing a staged transaction system that includes at least two stages. Quotes are accessed for the first and for the second stage of the transaction. One quote associated with a stage of the transaction is selected and...

20060143123 - Apparatus and method for verifying source of funds regarding financial transactions: A system, method, apparatus, means, and computer program code that facilitate verification of a source of funds for payment to an account, including receiving payment information associated with the account for a payment to the account, receiving an indication of a payment for the account, the indication including a source...

20060143125 - Method and system for electronic billing and reconciliation: A system and method for generating and providing an electronic billing statement to a client including a client computer, a travel agent computer, a financial service provider computer and an electronic billing and reconciliation computer for receiving a first billing data file from the travel agent computer and a second...

20060143122 - Purchasing on the internet using verified order information and bank payment assurance: Methods for goods or services over the internet (15). A customer has a customer account set up at a bank (30) with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery address, authorized global positioning satellite or other secure location...

20060143124 - Real time payment transaction system and method: A method and system for processing a payment from a customer to a service provider, where the payment is received at a third party merchant and the payment amount is deposited to the customer's account at the service provider. Each customer of the service provider is issued a real time...

20060143128 - Contents distribution system for handling secondary products utilizing raw material contents: A contents distribution system uses a copyright rental use scheme in which the economical burden on the users at a time of utilizing contents can be reduced to a reasonable level, and appropriate fees can be collected for the copyrights of the contents created and provided at each stage by...

20060143127 - Service offering for the delivery of information to the right receivers at the right time: A method for providing information to requestors that includes the step of receiving a request from a remotely located information requestor. The request can be associated with an information controller and with a designated purpose. A transaction can be initiated to handle the request and to deliver a result to...

20060143126 - Systems and processes for self-healing an identity store: A system includes a working state of an identity store having an account object, definitive state data having an account object in a known state, and a consistency checking module operable to determine whether the account object in the working state is consistent with the account object in the definitive...

20060143129 - Software distribution: An electronic device comprising: receiving means for receiving a first packaged installation file; installation means for installing a first version of a software application using the received first packaged installation file; packaging means for creating a second packaged installation file, for installing a second version of the software application; and...

20060143132 - Method and apparatus to enable a market in used digital content: Methods and apparatus to enable a distinction between “new” and “used” digital content and to enable a market in used digital content files between mobile phone terminals and an electronic store, securely, by means of a wireless telephony network and a server complex to handle contents right management, transaction reporting,...

20060143131 - Method for protecting sensitive data during execution: A method for protecting sensitive data during execution time. The sensitive data are normally stored on permanent storage devices (e.g. a hard disk). The method, according to the present invention is based on the creation at system boot of a runtime process and a corresponding runtime memory space. The sensitive...

20060143130 - System and method for distributing media: A method, system and apparatus for distributing limited media to a user through a user interface. The method, system and apparatus includes a media distribution database (202, 302) for storing limited media, and a first server (206) in communication with the media distribution database (202, 302) and a user interface...

20060143135 - Associating licensing information with software applications: A license control module manages the downloading of a software application so the software application can be executed without requiring a separate activation key. In addition, the license control module can incorporate into the software application vendor-defined user customization information to customize the software application. A client computer makes a...

20060143133 - Flexible pricing model for persistent content: A digital rights management method (250) and apparatus (10) for protecting digital content enables a flexible pricing model to be implemented that accounts for a subscriber's current subscription type. The digital rights management method (250) provides (251) a purchase option element for each protected digital content. This purchase option element...

20060143134 - Method and apparatus for sharing a digital access license: A method and apparatus for sharing a digital access license by receiving a request to share the license, identifying a current license to be shared, preparing a loaner-license according to the current license and conveying the loaner-license to a borrowing client....

20060143136 - Trusted electronic messaging system: An electronic messaging system, including: a first message transfer server for receiving a message for a party, mapping the destination address of the message to a trusted address for the party, and substituting the trusted address for the destination address; and a second message transfer server for establishing an authenticated...

20060143138 - Password input method: To provide a technology for preventing, by a simple input operation, a password from being leaked out even if an input operation thereof is peeped by a third party. A plurality of characters different for each input are presented, an input of a processing result about the characters is received,...

20060143137 - Protecting privacy of networked devices containing management subsystems: In one embodiment, a method includes receiving a decommission command from a management console, determining that the decommission command is authentic, and disabling the manageability functions of a management subsystem on a managed device....

20060143139 - Manufacturing verification system and method using the same: A manufacturing verification system and method using the same applicable to an assembly line for manufacturing an electronic product for verifying pipeline production assembly in accordance with a product flow card. The system at least has an assembly component database, a manufacturer component database, a component information database and a...

20060143140 - Recipient preference mail communications service: A method for communicating mailing preferences of a mail recipient including a messenger for use in connection with an unsolicited mailpiece received by a mail recipient. The messenger functions to communicate a mailing preference to the sender of the unsolicited mailpiece that the mail recipient desires some change regarding future...

20060143141 - Apparatus and methods for processing mail using a manifest: Methods and apparatus for manifesting mailpieces, processing mailpieces from a mail system, and certifying a mail system are provided. A mailpiece is received at a manifest mailing system and mailing information from the mailpiece is obtained. A manifest of the mailpiece is created and the mailpiece is then delivered using...

20060136253 - Anonymous information system, information registering device and information storing device: An anonymous information system is capable of maintaining anonymity of data while improving safety with regard to loss of anonymity caused by hacking of secret information, or the like. Conversion processing for converting from individual specifying information to anonymous individual information is split between an information providing device and an...

20060136243 - Apparatus and method for administering a scholastic application program: The invention is an apparatus and method for administering a scholastic application program. An electronic transcript of a candidate is received by a clearinghouse from a school. The candidate selects one or more institutions and instructs the clearinghouse to transmit the electronic transcript to the institutions for the purpose of...

20060136248 - Computer techniques for distributing information: In a representative embodiment, a computerized method provides information to a user and allows electronic communication between the user and selected workers. A list of action items for selectable workers is provided, the listing of action items identifying actionable events according to a plurality of categories. A list of financial...

20060136242 - Documents between services exchange and visualization of negotiation: A system, method and program product usable in a computer network in which a first service on a first node is seeking connection to a second service on a second node. A system is provided for the exchange and visualization of negotiation documents between the services when one of the...

20060136235 - Dynamic grid paths: A system, method, data structure, and computer-readable medium for processing a command entered into a command processor interface in a data processing system. In accordance with the method of the present invention, a command is entered by a user into a command processor interface input line. A command path specified...

20060136257 - Enterprise based issuance of identification cards: Methods and associated systems for enterprise-wide issuance of identification cards. A single enterprise server component and a plurality of card issuance machine controller components are distributed over an enterprise network. Each card machine controller component controls one or more devices for the production of identification cards including, for example, embossed...

20060136246 - Hierarchical program guide: Methods and apparatus for implementing a hierarchical content guide. In one implementation, a method of selecting a scheduled content item includes: selecting a first level content item from a first list of content items; selecting a second level content item from a second list of content items, wherein said second...

20060136237 - Method and system for anticipatory package shipping: A method and system for anticipatory package shipping are disclosed. According to one embodiment, a method may include packaging one or more items as a package for eventual shipment to a delivery address, selecting a destination geographical area to which to ship the package, shipping the package to the destination...

20060136255 - Method and system for metering usage of software products with fast run-time identification: A method (300) for metering usage of software products in a data processing system is proposed. The products to be metered are identified in a global catalogue (325) by means of multiple attributes of a corresponding executable module (340); the verification of these attributes requires accessing the module through its...

20060136241 - Method and system for work scheduling on calendars: A method of and system for handling allocation of task work to resources with flexibly configured availability contours (work calendars) is disclosed. The method includes defining one or more base calendars, a resource calendar associated with each resource, wherein the resource calendar inherits from a base calendar. A calendar reader,...

20060136252 - Method for handling and tracking baggage: A method for handling baggage comprises the steps of: (a) collecting at least one piece of baggage from an off-airport site designated by at least one passenger, the collecting being performed by an agent of a commercial shipping business; (b) delivering the collected piece of baggage to an off-airport site;...

20060136239 - Method for recycling used items: A method for recycling used items, such as automotive parts, includes a manufacturer and a network of service centers that are obligated to return defective, worn out, broken, or otherwise used components to a manufacturer/franchisor in exchange for warranty payment by the manufacturer. The used items are preferably received by...

20060136249 - Method for recycling used items: A method for recycling used items, such as automotive parts, includes a manufacturer and a network of service centers that are contractually obligated to return used components to a manufacturer in exchange for warranty payment by the manufacturer. The used items are preferably received by the manufacturer without charge from...

20060136244 - Method to dynamically view and update adaptive process document: A computer-implemented method for managing a partially completed dynamic process execution (PCDPE). The PCDPE represents a dynamic process that is partially completed by a user. The method includes ascertaining whether a change has occurred to at least one of a prompt component and a response component associated with the dynamic...

20060136238 - Method, apparatus and computer program product for monitoring compliance in reporting unclaimed property: Methods, apparatus and computer program products are provided for monitoring compliance in reporting unclaimed property. The method is capable of identifying both potential non-reporters and potential under-reporters. In this regard, potential under-reporters may be identified as a result of a multilevel review that may take into account the recent reporting...

20060136250 - Method, computer program product and computer system for measuring the impact of a proposed change in an organisation: A computer-based method, a computer program product and a computer system for measuring the impact of a proposed change in an organisation are disclosed. The method comprises the steps of inputting financial data relating to the organisation; inputting human resource data relating to the organisation; inputting data relating to one...

20060136245 - Methods and systems for applying attention strength, activation scores and co-occurrence statistics in information management: Methods and systems for applying attention strength, activation scores and co-occurrence statistics to information management. Attention strength values used in computing the base activation scores of information items are derived from user interactions with such items. Co-occurrence strength values used in computing associative activation and partial matching scores of information...

20060136230 - Position budgeting and control system: The technical field of this invention is in the area of electronic data processing. More particularly, the invention relates to methods, computer program products and systems for evaluating human resource budgets and controlling human resource budgets....

20060136256 - Publish/subscribe messaging system: A broker determines that a publication received from a publisher is transmitted to at least one subscriber. When a publication is received from a publisher, it is determined whether there are any subscribers registered as interested in the received publication. The received publication is retained in storage at least until...

20060136232 - Selection method for distributing options to target points: The information carriers 1 allocate confidence values 2 for which figures are exemplarily shown in FIG. 1 to sets of criteria 3 according to their preferences. In this respect, each information carrier 1 can allocate a certain number of confidence values 2. These sets of criteria are associated with options...

20060136247 - Sound reproducing apparatus: The sound reproducing apparatus includes a replay section receiving unit that receives a request for reproducing a specific part of sound file from a user, a replay section determining unit that determines a replay section based on the request and conversation structure information stored in a sound data holding unit,...

20060136240 - System and method for assessing and improving the extent of diversity in business organizations: A system and method of evaluating and enhancing diversity of an entity utilizes employee responses, entity self-assessment responses and relevant objective data to determine a rating indicative of a current level of diversity. The responses and data can be analyzed to determine steps to be taken to enhance the current...

20060136231 - System and method for conducting residential financing transactions: As provided by the exemplary method described herein, a single-asset trust would be established by the originator, as settlor, naming a special purpose entity as the trustee. The trust would be subject to the terms of a written indenture designed for this specific purpose which would be used generically by...

20060136254 - System and method for dispatching transportation to persons who want transportation: A system and method for providing for the computer-implemented matching of persons who provide transportation and those who purchase such services, using the position of each party and possibly incorporating variable pricing that takes into consideration supply and demand and traffic....

20060136234 - System and method for planning the establishment of a manufacturing business: A method for planning the establishment of a business comprising the steps of providing partner characteristic information representing objective representations of characteristics of potential partners, providing location characteristic information representing objective representations of characteristics of potential business locations providing a minimum profit desired for the operation of said business, determining...

20060136251 - System and method for providing electronic business-card service using open service interface: Provided are a system and method for providing an electronic business card service using an open service interface. In the system, a business card information register receives electronic business card information from terminals of presentities who provide an electronic business card, and publishes it on an open service gateway, each...

20060136236 - Systems and methods for providing a digital image and disposition of a delivered good: Systems and methods are disclosed for determining the disposition of a shipped good, such as a car, damaged during transit. After the damage is detected, a digital image of the is obtained. The image is uploaded to a server typically along with the vehicle identification number and/or other identification data....

20060136233 - Vpn communication control device, communication control method in vpn, and virtual dedicated network management device: VPNID which is an information for identifying each of VPN is added to each link information which is formed by categorizing a link information in a common DB for each VPN to which the link information relates. The link information for the same VPNID is extracted from the link information...

20060136258 - Health care incentive system and method for operating a health care incentive system: A health care incentive system comprises a means for accumulating health care information and means for analyzing the health care information in order to develop a set of commitments for the individual in the health incentive program. If the individual achieves the commitments over a predetermined period of time, an...

20060136259 - Multi-dimensional analysis of medical data: A technique is disclosed for identifying medical data entities and for analyzing them for classification in accordance with a defined domain definition. The domain definition may be user-defined and may include a plurality of logical associations by which the data entities are classified. A one-to-many classification of the entities facilitates...

20060136260 - System and method for associating healthcare orders in a healthcare plan in a computerized environment: A system and method for maintaining association of healthcare orders in a healthcare plan in a computerized environment are provided. A first and second order received for a healthcare plan for a patient. The first and second orders for the healthcare plan for the patient are associated with one another...

20060136263 - System and method for automatically verifying multiple laboratory test results in a computerized environment: The present invention relates to a method of holding laboratory test results in a computerized environment. The method receives a laboratory test result for a healthcare order for a patient. The healthcare order comprises multiple laboratory tests. The method determines whether all of the test results for the healthcare order...

20060136262 - System and method for creating and maintaining dynamic offset times for healthcare orders in a computerized environment: A system and method for determining the start time of one or more healthcare orders in a computing environment is provided. A start time of a healthcare plan is received. The healthcare plan comprises two or more healthcare orders for a patient. A first offset time for a first healthcare...

20060136264 - System and method for improved health care access: Accordingly to one exemplary embodiment, in a computerized system allowing consumers to view health care opportunities from a plurality of different health care providers, a method comprises providing for viewing a health care opportunity offered by a health care provider. The health care opportunity has a price. The method further...

20060136261 - System and method for maintaining the association of healthcare orders from a healthcare plan in a computerized medical administration record: A system and method for maintaining association of healthcare medication orders in a healthcare plan in a computerized environment are provided. A first and second medication order are received for a healthcare plan for a patient. The first and second medication orders for the healthcare plan for the patient are...

20060136265 - System and method for managing restorative care: An automated system and method for managing restorative care programs in a long-term care environment is provided. In one embodiment, the system includes a device or process for generating an up-to-date assignment sheet upon detecting a change in a resident's condition. In one embodiment, the device or method includes a...

20060136270 - Medical claim data transfer to medical deposit box and/or medical visit record: A method for generating a personal health record for a patient includes: providing a plurality of medical claim objects that are stored in a first format, the medical claim objects including medical claim codes indicative of medical claim events; and translating the medical claim objects from the first format into...

20060136266 - Medicinal product order processing system: A repeat prescription ordering system for allowing patients requiring resupply of medication or medical products to access a server using a portable communications and data processing device such as a smart phone or personal digital assistant. The server supplies to the patient a list of medication and medical products which...

20060136269 - Method and process for preparing and analyzing medical legal cases: The present disclosure describes a method and system which extracts data from medical informational sources in order to organize, analyze, and summarize the information into document form so that it may be used with ease by lawyers in preparing medical legal cases. In one aspect, such a document is a...

20060136272 - Method for acquiring and analyzing a list of a patient's prescription medications: A computer system for obtaining, analyzing and providing information to a community of user patients regarding their medication is disclosed. The system is provided by means of world wide web access and generates a user patient screen prompting the manual entry of data relating to the use patient and drugs...

20060136271 - Patient care system: The present invention is directed to a system and method for providing care to a patient, comprising a patient care device having a number of configuration databases stored in a memory in the device. Each configuration database preferably includes protocols, operating limits, rule sets and/or operating features that collectively define...

20060136267 - System and method for automatic scheduling based on remote monitoring: A system and method are provided for managing patient care based on data received from a remote monitoring system. The system includes a data monitor for automatically evaluating the data received from the remote monitoring system and a scheduling module for receiving a data evaluation from the data monitor. The...

20060136268 - System and method for maintaining the association of healthcare orders in a healthcare plan in a computerized pharmacy application: A system and method for maintaining association of healthcare medication orders in a healthcare plan in a computerized environment are provided. A first and second medication order are received for a healthcare plan for a patient. The first and second medication orders for the healthcare plan for the patient are...

20060136273 - Method and system for estimating insurance loss reserves and confidence intervals using insurance policy and claim level detail predictive modeling: A computerized system and method for estimating insurance loss reserves and confidence intervals using insurance policy and claim level detail predictive modeling. Predictive models are applied to historical loss, premium and other insurer data, as well as external data, at the level of policy detail to predict ultimate losses and...

20060136274 - System, method, and apparatus for providing a single-entry and multiple company interface (semci) for insurance applications and underwriting and management thereof: A system, method, and apparatus provides a real-time single-entry, multiple company interface (SEMCI) that allows users to complete applications via in an automated and efficient manner. data is collected in standard forms and stored in a database managed by a Managing General Agency (MGA). Underwriting personnel at the MGA can...

20060136275 - Method and a device for optimizing a company structure: A method for optimizing a company structure consists of subdividing the company structure at least into a producing section and a non-producing section. For each section, value chains are generated with their respective participating structural elements. A matrix is build by optimizing the value chains. A device for optimizing a...

20060136276 - System and method for linking quality function deployment to system engineering: The present invention is directed to a method, system, and computer program managing a product lifecycle. In a preferred embodiment, the present invention offers a product design system linking a PDM tool supporting a System Engineering process to a Quality Function Deployment (QFD) tool....

20060136277 - Automatic generation of a globalization project schedule: Project schedules do not include tasks for Globalization. This method defines and automatically creates globalization tasks that are to be performed during the development of an international product. In this method, a table is created containing various volumes of data and the amount of time required to translate each volume...

20060136278 - Work management system: A headquarters manager's terminal is used to prepare work instruction information and to transfer the prepared information to a headquarters server, and the headquarters server sends the work instruction information to a mobile terminal through a store server. The mobile terminal is used to prepare work report information for reporting...

20060136280 - Schedule management apparatus, schedule management method and program: A context estimation rule is applied to spare time on a user's schedule, and contexts are estimated. On the basis of a task template, an input task is divided into plural subtasks. A task recommendation rule for recommending tasks to do from the relation between contexts and metadata of tasks...

20060136279 - Synchronization of runtime and application state via batching of workflow transactions: Workflow management for maintaining consistency of persisted state across communicating components via batching of uncommitted work. A workflow component defines a workflow containing work items to be performed by service provider components. The workflow component assigns the work items to the service provider components, and the service provider components acknowledge...

20060136283 - Assessing survey presentations: Measurement errors arising from presentation aspects of a survey are detected and can be corrected, based upon responses from a selected set of respondents to different survey presentations. The survey presentations are different not in their information content, but in their presentation, such as using a different order of questions....

20060136287 - Method and apparatus for creating a list for marketing: The method may entail reviewing a source of entries wherein the source is stored electronically, selecting a subset of entries from the source of entries and storing the subset of entries as a list wherein the list comprises a first order object....

20060136286 - Method and apparatus for marketing using templates, lists and activities: The method may include creating a marketing campaign, selecting a list to receive the marketing campaign, allowing the user to modify the list selected, allowing the user to add a work item to the marketing campaign and executing the marketing campaign....

20060136282 - Method and system to manage achieving an objective: A method to manage achieving an objective may include collecting data related to the objective and determining a set of drivers related to the objective. The method may also include calculating a gap for each driver between a baseline and a goal for the objective. The method may further include...

20060136281 - Method, system, and storage medium for assessing and implementing an organizational transformation: A method, system, and storage medium for assessing and implementing an organizational transformation. The method includes identifying at least one process area for each management area targeted for assessment and evaluating at least one solution for the at least one process area. A pairing of a solution to a process...

20060136288 - Multi-size tire filling apparatus and method: A tire filling apparatus preferably includes a support and seal arrangement on which a wheel-tire combination is supported in a horizontally lying orientation, a tire filling plate, and a plurality of differently-sized tire filling rings. Based on the diameter of the wheel-tire combination to be filled with air, a properly...

20060136284 - Recommendation system: A technique for recommending products to a user (110a). According to the technique, the user requests (110a) a recommendation from a recommendation system (200). The recommendation system (200) generates a recommendation using a technique whose time complexity is less than O(m·n). The generated list is then presented to the user...

20060136285 - Tiered on-demand location-based tracking service and infrastructure: A location-based service includes detecting the relative motion of an on-site resource, detecting the absolute position of the on-site resource, and tracking the position of the on-site resource. The position is tracked by deriving a deduced position based on the detected relative motion and adjusting the deduced position as a...

20060136290 - Method for administrating and analyzing work place monitoring data: A method for administrating and analyzing work place monitoring data through a microprocessor is disclosed. The method can store the input data directly, automatically calculate the input data and the historical data through a selected statistical model and output a readable report in a worksheet form (e.g. in an EXCEL...

20060136289 - Method for computer-supported control of production processes: The invention relates to a method for the computer-supported control of several production processes, overlapping in time and space, in particular construction processes. The aim of the invention is to describe a method for the computer-supported control of several production processes, overlapping in time and space, in particular construction processes,...

20060136291 - Vehicle managing method: A vehicle overall interactive managing method is disclosed. Uplink information transmitted by way of an artificial satellite to a center includes emergency information and periodic information. Downlink information transmitted from the center via the artificial satellite to each vehicle includes audio and image. There is provided at a ground station...

20060136292 - Collection of data associated with an advertisement: An advertisement comprises a plurality of features and a plurality of machine readable feature identifications. Each feature is associated with at least one of the plurality of machine readable feature identifications....

20060136300 - Method and apparatus for promoting resale of foods: A method for promoting resale of goods. The method includes solicitation of agreement to offer a good for resale from a buyer of the good near the time of the sale, near the time of confirmation of a desire to purchase a good and/or subsequent to the time of the...

20060136299 - Method and system for handling rebate-entitled credit card payment transactions: In this method a credit card entitled for rebates initiates a payment transaction with a merchant granting rebates, resulting in a rebate amount being calculated from the purchase sum of the payment transaction and a set rebate rate and the rebate amount being forwarded to a storage area assigned to...

20060136297 - Method and system for providing location specific advertising content within mobile platforms: Advertising content is delivered to gaming platforms in dependence upon a location of the mobile platform. The platform provides location data either from a user of the platform, determined by the platform, for example using GPS, or through network data provided from the platform during network communication. Advertising content is...

20060136294 - Method for performing real-time click fraud detection, prevention and reporting for online advertising: The present invention provides a method of detecting fraudulent clicks in an online environment to reduce fraudulent paid clicks for online advertisers. The method includes server side and client side code which combined enables a click verification web site to identify valid and invalid clicks and in real-time prevents advertisers...

20060136298 - Methods and apparatus for contextual advertisements in an online conversation thread: In one aspect, the invention relates to a method of providing at least one of an advertisement and a link to an advertisement to a user logged in to an instant messaging network. The method includes the steps of logging a message processor into the instant messaging network under a...

20060136293 - System and method for predictive product requirements analysis: A method, system, and computer program product for capturing consumer product preferences over a period of time and analyzing consumer product preferences over a period of time in order to predict future product and service requirements is provided. In one embodiment, individual consumer product preference inputs from a plurality of...

20060136296 - System and method for providing direct marketing opportunities to lottery ticket retailers: A system for providing direct marketing opportunities to lottery ticket retailers includes a host computer system programmed to maintain a website including separate webpages for lottery ticket retailers. The computer system stores address information for the lottery ticket retailers, receives a lottery website visitor's geographic location information and determines one...

20060136295 - Techniques for magazine like presentation of advertisment using computers: A computer implemented method and apparatus to persist user-context-sensitive consumer advertising impressions in a routinely persisted output object of a computer software application, wherein the user context is established by the contemporaneous program arguments supplied to a computer software application program by a user or the user context is established...

20060136301 - Transaction processing system and method: The present invention generally relates to a transaction processing system and method for the processing of transactions for goods or services offered in a first currency when physical currency tokens are tendered in a second currency in respect of at least part payment for the goods or services....

20060136304 - Connection method of placing and receiving an order for mold machining through a web-based system for real-time utilization of idle facilities for molds: Disclosed is a connection method of placing and receiving an order for mold machining through the web-based system for real-time utilization of idle facilities for mold, comprising: entering information relating to holding facilities held by the subcontractors for mold machining in database, wherein the subcontractors are members entering the information...

20060136309 - Global electronic commerce system: A comprehensive system effectuates global electronic commerce on the Internet across frontiers of nations, cultures, and languages. Referral Websites serving various locales offer Buyers the opportunity to view products for purchase. A Buyer selects categories of products for viewing by using drop-down menus that organize products into a clear taxonomy...

20060136308 - Method and process for consolidated marketing and fulfillment portals for specialized vertical industries: Methods and electronic commerce portals for consolidated marketing and fulfillment for vertical specialized industries enable a company to design a website, which allows a company to control what its agents are purchasing as supplies for their job. The electronic commerce portal can comprise a retail marketing website, a private corporate...

20060136305 - Product and presentation placement system and method: For purposes of patent searching a description includes aspects in which users of presentations of entertainment, news, education and other can research and/or purchase products observed to be involved in the presentations by using presentation placement data and a product description obtained through observation, the product description being insufficient alone...

20060136307 - Publication system: A network-based system that provides functionality for controlling the content of printed menus includes an electronic data repository and a web-based application program. The electronic data repository contains descriptions of content items that may be selected to include within printed items. The electronic data repository also contains a set of...

20060136303 - Shopping environment including detection of unpaid items in proximity to an exit: A shopping environment includes a server and a shopping device for broadcasting a wireless signal that identifies the identity of a shopper associated with the device. A network infrastructure conveys the wireless signal information to the server. A verification system is configured to detect the shopping device being in proximity...

20060136306 - System and method for gathering and standardizing customer purchase information for target marketing: The present invention relates to storing and manipulating customer purchasing information, particularly purchasing information by credit cards, debit cards, checks, and the like. A hierarchical organizational structure is created comprising a plurality of categories and sub-categories. The customer purchase information may then be retrieved according to user created links to...

20060136302 - System integrator and commodity roll-up: A purchasing entity directs the sourcing of one or more parts in a microprocessor-based method. The microprocessor-based method comprises obtaining over a computer network sourcing information from a primary supplier which identifies one or more third party secondary suppliers for one or more parts in a group of parts, ordering...

20060136310 - Process for dynamic routing of customer contacts to service providers in real time: A dynamic contact routing system includes establishing a plurality of service provider accounts. The service providers submit bids for a per-contact charge. A contact list is created wherein the service providers are ranked from the highest bidder to the lowest bidder. A contact received from a potential customer is routed...

20060136311 - Intellectual charging management system and method for a website: An intellectual charging management system and method for automatically adjusting the cost for visiting a website according to network performance for each individual user. The network performance is determined based on the actual network access speed when the user visits the website, while the cost is calculated based on network...

20060136315 - Commissions and sales/mis reporting method and system: In one example, a method of generating commissions documents comprises calculating commissions earned by a party based, at least in part, on stored data related to the party, generating at least one file comprising at least one of the calculated commissions and the stored data, and converting the at least...

20060136313 - Islamic finance: An Islamically-compliant method of transferring a financial, investment or pricing risk from a initial entity to an ultimate entity by means of an intermediate entity is disclosed. The first entity acquires a risk of financial, investment or pricing loss. The intermediate entity provides protection policy to the first entity against...

20060136317 - Method of one time authentication response to a session-specific challenge indicating a random subset of password or pin character positions: Financial institution back office computerized transaction-processing system with embedded privacy and security layer (EPSL) enables strong transaction authentication prior to a merchant or vendor contact, based on a user account number, transaction conditions like anticipated transaction time and money, user two-factor authentication with a static transaction PIN and a transaction...

20060136312 - Method, program, and system for computing accounting savings: Method, system, and computer program product for computing accounting savings for a business related investment of a target product. The target product and at least one currently used product have at least one feature, and the business comprises at least one business related activity. The method comprises reading, from a...

20060136316 - Using event contracts to hedge idiosyncratic risk: A method for hedging in which the hedging party holds an underlying investment subject to idiosyncratic risk, identifies events giving rise to idiosyncratic risk affecting the investment, and takes a position in an event contract providing for a payout to the hedging party if the event giving rise to the...

20060136314 - Web-based automated code delivery: A method for preventing disablement of a device includes assigning a contract identification code, receiving a loan payment, forwarding the loan payment from a payment center to a finance company having an interest in the device, a code delivery computer determining whether the finance company has received the payment, the...

20060136325 - Automated proxy bidding: The present invention provides a method, program and system for automated proxy bidding in an auction. The invention includes defining a desired price position relative to competing bids based on qualitative ratings associated with competing bidders and submitting a bid related to a product. Competing bids are retrieved along with...

20060136318 - Automated system for routing orders for financial instruments: A method for routing orders for financial instruments among users is provided. A first order for one of a plurality of financial instruments is received from a first user, wherein the first order, which includes undisclosed liquidity, includes a first symbol component identifying the one of the plurality of financial...

20060136321 - Bid methods and systems for an auction website: A bid method for an auction website is provided. The auction items are searched according to search parameters to acquire candidate items satisfying the search parameters. Item factors and corresponding weights are then acquired. Purchase value for each candidate item is calculated according to the item factors and the weights....

20060136319 - Method and apparatus for bidding on broadcast service requests and offers from nearby devices: An improved method, apparatus, and computer instructions in a portable device for obtaining bids for a task. Access to a task in a set of tasks for bidding is provided through a wireless network. The access to the task includes a specification of a selected distance between a bidding entity...

20060136323 - Method for determining single figure of merit: A method, program and system for analyzing product price structures are provided by the present invention. The invention involves receiving product information about a multi-component product, such as a service plan, and analyzing individual price elements within the multi-component product. These individual price elements may include, purchase price, fixed periodic...

20060136324 - Reverse auction with qualitative discrimination: The present invention provides a reverse auction system for procuring goods and services. A customer business provides details concerning its needs by means of a detailed questionnaire. An invitation to bid is then sent to potential sellers. The invention rates bidders according to quality and risk based on historical data...

20060136322 - Semi-blind, multi-round bidding: A method, program and system for conducting a reverse auction are provided by the present invention. The auction is divided into a specified number of rounds of specified duration, and bids are received from a plurality of bidders. The bidders are rated according to specified qualitative parameters. While the auction...

20060136326 - System and method for generating liquidity: A system for generating liquidity includes a plurality of client user interfaces and a matching system. Each client user interface includes a trading desktop which stores unexecuted trading positions. The matching system is coupled with the plurality of client user interfaces and configured to receive information about the unexecuted trading...

20060136320 - Systems and methods that facilitate maximizing revenue for multi-unit auctions with private budgets: The subject invention relates to systems and methods that provide a truthful incentive-compatible mechanism for budget-constrained bidders in order to facilitate asymptotically maximizing revenue with multi-unit auctions in which individual bidders have private valuation per item (e.g., bids, offer prices, utility . . . ) and overall budgets. The systems...

20060136328 - Method and system for analyzing the risk of a project: Analyzing risk includes receiving input parameters describing a project. Schedule values for a schedule variable are established. The following are repeated for each schedule value to calculate cost-probability relationships relating a cost value of a cost variable with a probability value of a probability variable: a schedule value is selected,...

20060136330 - Product, system and method for certification of closing and mortgage loan fulfillment: A computer system and method for processing a mortgage loan receives borrower, property, loan and underwriting data entered by a lender via a certifying company Internet web site. The system, which is operated by the certifying company, communicates with outside service provider systems to order and obtain products there from....

20060136327 - Risk control system: The invention provides a method for assessing risk within an organization, comprising: defining one or more zones (2), each of the one or more zones comprising an environment; identifying one or more assets (4) of the organization, each of the assets being located in a respective one of the zones;...

20060136329 - Systems and methods for processing promissory transactions as debit transactions: Systems and methods are provided for determining when to convert promissory transactions, such as checking transactions, into direct debit transactions. A set of rules evaluates the risk associated with a check transaction. When the check transaction has a predetermined level of risk, a debit determination system evaluates the transaction to...

20060136331 - Method and system for issuing letters of credit: A system and method for issuing letters of credit. The system and method issue a first letter of credit from a second party to a third party, and issue at least one second letter of credit from the third party to at least one fourth party. The system and method...

20060136332 - System and method for electronic check verification over a network: A method is disclosed of authenticating a consumer and authorizing a transaction over a network. The method includes first requesting, by a user, performance of a transaction between said user and a merchant, the user and the merchant performing the transaction over a non-secure web page. The user then enters...

20060136334 - Electronic system for provision of banking services: An electronic system providing banking services, comprises a server having a first interface for communication with user mobile telephony devices over a mobile telephone network; and a second interface for communication with an intermediary acting as a gateway to banking records of multiple banking organisations. The first interface is adapted...

20060136333 - System and method for servicing student financial needs: The invention includes a method and system for providing services to customers on behalf of a distributor. In particular, a method and system by which a school can provide financial services to students is provided. A system manager maintains relationships with a plurality of service providers, each providing a service...

20060136335 - System and methods for accessing high-profile individuals: A system and methods of providing access to high-profile individuals within a high-profile individual communication system. A communication and an offer amount are received from a user and provided to a high-profile individual. The high-profile individual is under no obligation to respond to the communication. Additionally, the user does not...

20060136336 - Automated banking machine and system: An automated banking machine includes at least one browser and transaction function devices, including a currency dispenser device. The machine can be operated in a modified mode in response to transactions that are no longer available. A browser can be used to communicate with one or more servers. Data indicative...

20060136337 - Method of providing secure fulfillment of online purchased services: The invention provide a method for verification of receipt of services delivered in person to a buyer in an online service sales transaction prior to release of funds by a service sales system to the seller of a service. An electronic buyer's voucher generated by the service sales system is...

20060136339 - System and method for protecting unprotected digital contents: A system for protecting contents comprises a first device for storing and reproducing contents purchased by a user; a server for issuing usage rights of contents; and a second device for reproducing contents protection mechanism-applied contents, and if contents to be copied from the first device are not protected by...

20060136338 - Techniques for filtering attempts to access component core logic: Techniques to limit accesses to hardware component devices by external devices or external software programs. A filter device may be used to filter requests to access core logic of a hardware component device based on access rules. Access rules can limit access to the core logic based on phases of...

20060136340 - Post-paid billing system and method for multimedia files: The present invention relates to a system and method for determining whether playing has been performed, determining the number of times that the playing has been performed, and charging fees based on the determination results (hereinafter “post-payment”) after music has been provided from an on-line sound source server and has...

20060136342 - Content protection method, and information recording and reproduction apparatus using same: In content protection method and apparatus, a title key invalidation information is generated for invalidating a title key corresponding to a content in a medium and a content key is generated from the title key and the title key invalidation information. The content is encrypted based on the content key....

20060136341 - Method of providing rights data objects: A method is described of providing rights data objects for issuing to a device having access to encrypted content belonging to one of a plurality of events and provided with an indication of a location from which the rights data object may be requested and event information uniquely associated with...

20060136343 - Commercial network licensing system: A commercial network licensing system is disclosed for monitoring use of software on computers. A client licensing module is provided that is associated with a client software application to be monitored. A file server that is in network communication with computers running the client application includes a licensing module that...

20060136345 - Efficient schema supporting upsell features of a web-based business application: An efficient schema and related methods, systems, computer program products, and business methods are described for supporting upsell features of a web-based business application. A single database of the web-based business application can support a plurality of enterprises, each enterprise selling its respective items to its respective customers. As transactions...

20060136346 - Method of electronically consolidating mail items: A method of electronically consolidating mail items between a plurality of senders and a postal administration that handles delivery of said mail items to their destinations, the method comprising the following steps at the premises of each of the senders: affixing a unique identity code to each of the mail...

20060136344 - Web-based business application with streamlined integration of upsell features: A method, system, computer program product, and related business methods are described for providing streamlined integration of upsell features into a web-based business application. In one preferred embodiment, upsell source criteria are conveniently submitted by the user in a wizard-based process. The user can select from several upsell actions to...

20060136347 - Label stock for thermal printer: Labels that may selectively provide signaling are shown. In one example, a fluorescent signaling section of a label may be perforated and may be mechanically removed from the main portion of the label to selectively provide a label that does not emit a fluorescent signal. In another example, a thermal...

20060136348 - Mailing system user interface: A method for marking a mailpiece with a marking device is provided. The method includes providing the marking device with a processor and a user interface for inputting and displaying information entering in the user interface a partial sequence of characters from a complete sequence of characters, wherein the complete...

20060129421 - Business method for novel ideas and inventions evaluation and commercialization: A novel business method of novel ideas, inventions and scientific proposals evaluation and commercialization is suggested. A private, government or universities supported (virtual from the very beginning) an Internet connected agency (entity) open for every scientist has to be created. Every scientist can submit his IIPs to the agency and...

20060129419 - Coupling of a business component model to an information technology model: A method for managing a business. At least one relationship is determined between N business components (B1, B2, . . . , BN) and respective N costs (C1, C2, . . . , CN) and respective N values (V1, V2, . . . , VN) pertaining to the N business...

20060129424 - Cross language advertising: Disclosed is a method and system for providing cross language advertising service over the Internet. In one preferred embodiment, while a user is performing a cross language search on the Internet, she receives the search results and concurrently receives one or more advertisements in her input language which are relevant...

20060129418 - Method and apparatus for analyzing functionality and test paths of product line using a priority graph: The present invention relates to a method and apparatus for analyzing functionality and test paths of product line using a priority graph. The apparatus includes: a parser for analyzing a use case scenario expressed in a text format, in a unit of word to separate a word from the analyzed...

20060129411 - Method and system for cosmetics consulting using a transmitted image: Embodiments of the present invention recite a system for providing product consulting using a transmitted image. In one embodiment, the present invention comprises an image capture device for capturing an image of a user and a reference color set. In embodiments of the present invention, the image capture device does...

20060129422 - Method for creating an on-line leads marketplace by automatically submitting contact information in a standard electronic format: A method is presented for creating an on-line leads marketplace by capturing contact information and transmitting it electronically to an on-line leads marketplace. Contact information from visitors to websites or registrants to Podcasts or RSS feeds is electronically submitted to an on-line leads marketplace in a standard format, where it...

20060129420 - Method providing asset protection by specifying location, recipients of information and terms for the release of information: The invention provides a system and method for individuals to protect their assets and important documents. The method includes a safe keeping institution providing three forms for the user to complete and return. One form entitled “Location” allows the individual to record the location of the individual's assets and important...

20060129413 - Power plant life assessment: A method of evaluating a power plant having a design life based on operating the plant within an allowable chemical exposure range includes accumulating a history of a chemical exposure of a steam generating portion of the power plant (e.g., 10). The method also includes determining a remaining life of...

20060129416 - Sale of footwear by subscription: A user enters into a subscription to receive footwear having one or more specified performance characteristics. As the user finishes wearing one set of footwear, the user can obtain a replacement set of footwear that also will have one or more specified performance characteristics. The performance characteristics may be consistent...

20060129415 - System for linking financial asset records with networked assets: A computer system to reconcile hard assets carried on the financial data reporting computer systems of a corporation or government entity with actual inventory assets discovered on the networks of said entity. Automatic discovery of inventory assets is performed by executing scripts specified in fingerprints of the types of machines...

20060129417 - Systems and methods for logo design: Systems and methods for interactively designing a logo present a list of desired characteristics to be conveyed by the logo, and allows the user to select from among the desired characteristics, such as image and/or type of industry. A group of symbols are presented to the user based on the...

20060129412 - Technology budget manager for mobile employees: An automated system and method for budgeting technology expenses for an individual based on an objective standard, wherein the system comprises a database comprising a list of technologies used by the individual; a controller connected to the database, the controller being adapted to establish a monetary budget allotment for the...

20060129414 - Transaction control arrangement for device management system: The invention relates to a method for arranging transaction control in a device management system. A required transaction control operation is defined in a managing device for arranging transaction control of a management task for a managed device. At least one device management command is defined for the transaction control...

20060129423 - Vehicle lead generation system using byer criteria: The invention is directed to a system for generating a lead by determining an estimated for a vehicle. The system may receive vehicle identifying information; receive seller identifying information; receive information for a sample of vehicles of the same make and model as the vehicle; determine a value for vehicle...

20060129429 - Clinical assessment and diagnostic tool for use with peristaltic pump: A method of storing on a remote storage device protocol information for a drug for administration via a peristaltic pump is disclosed. A communications path between the peristaltic pump and the remote storage device is provided. The protocol information for the drug is entered into the peristaltic pump. The protocol...

20060129430 - Method and apparatus for automated generation of a patient treatment plan: A method and apparatus for generating a patient treatment plan includes processing that begins by providing a list of health care services to a patient and/or care provider. The processing continues by prompting for input of digital information regarding the patient when health care services applicable to addressing the patient's...

20060129425 - Method of curbing health-care costs: A method of curbing the health-care costs comprises processes wherein physicians use digital speech recording devices and speech recognition softwares to reduce the business costs, curtailing wasted time and interferences and hassles impose on the physicians and health-care consumers and buyers while increasing their productivity and returns. The method also...

20060129431 - Physicians-patients-health-care-buyers accounting system: A computer-automated system of using first data in digital text data derived from digital voice data comprising health and health-care information to extract second data in databases comprising health and health-care information and corresponding individual monetary values for accounting compensations for individual physicians and accounting health-care expenses of individual patients...

20060129426 - Systems and methods for consumers to purchase products: A method is provided for purchasing products and services. A service provider system offers products for sale through the service provider system directly and also through associated merchants that are authorized to be associated with the service provider system. Members are enrolled in the service provider system. Medical discount cards...

20060129428 - Systems and methods for predicting healthcare related financial risk: A system for predicting healthcare financial risk including the process of accessing patient data associated with one or more patents, accessing geographic and healthcare system data, filtering the patient data, geographic data, and healthcare system data into clean data, and applying a predictive risk model to the clean data to...

20060129427 - Systems and methods for predicting healthcare related risk events: A system for predicting healthcare risk events including the process of accessing patient data associated with one or more patents, accessing geographic and healthcare system data, filtering the patient data, geographic data, and healthcare system data into clean data, and applying a predictive risk model to the clean data to...

20060129432 - Device, system, and method for providing health management service: A device, system, and method for providing health management services are provided. The device, system, and method analyze health data based on user health data obtained through a health measurement device and provide feedback data based on the analyzed result, thereby allowing accurate monitoring and management of the user's health...

20060129433 - Method and system for delivering high risk medical therapies: A method for delivering a to a patient a high risk medical therapy with restricted distribution or access under one or more restricted access programs, including programs with little or no restricted access, while providing a method for the patient's risk level to be adjusted over time. The method involves...

20060129434 - System and method for disseminating healthcare data from a database: A system and method for disseminating healthcare data in a database includes storing the healthcare data in the database located in a central server connected to a community of independent sources of the healthcare data for a plurality of patients; incorporating one or more updates to the healthcare data in...

20060129435 - System and method for providing community health data services: A system and method for receiving health data from a community of independent sources of health data related to one or more patients, the health data being selected from the set including oral data, written data and/or electronic data; formatting the health data to enable creation of a universal patient...

20060129436 - Method of reducing employer health related costs while promoting employee wellness and health benefit plan strategy for same: In an effort to reduce employer health insurance related costs, at least one benefit under a health benefit plan is conditional on the employee voluntarily participating in a wellness program. The wellness program could include wellness categories such as a tobacco free category, normal blood pressure category, regular exercise category,...

20060129437 - Map-based flight searching and booking method: This invention discloses a map-based flight searching and booking method used in an electronic device, and the electronic device includes a display unit. The method comprises the steps of: (A) providing a map to the electronic device for being displayed on the display unit, the map including a plurality of...

20060129438 - Method, system, and computer readable medium for dynamically generating multi-modal trip choices: A method, system, and computer-readable medium for generating travel options along a route are provided. The method includes identifying a plurality of conveyances with each having associated booking information in response to a request for travel. The method also includes generating a trip value table in response to the request,...

20060129439 - System and method for improved project portfolio management: A system and method for managing a portfolio or projects is disclosed wherein the relationships between the goals of an organization are determined and a weight is applied to each goal. These weights are indicative of the importance of each goal in achieving another goal. Each project in the organization...

20060129441 - Apparatus, method, and system for documenting, performing, and attesting to internal controls for an enterprise: A system that creates documentation of internal controls for a business to meet its financial and legal obligations. The method of using the documentation itself to automate the actions assigned by the documentation to specific performers which actions can be tracked and measured enables management and audit personnel to assert...

20060129444 - Appointment arbiter: Embodiments of the present disclosure provide systems and methods for setting up an appointment. Briefly described, in architecture, one embodiment of the system, among others, can be implemented as follows. The system includes first logic configured to receive a request for establishing an appointment and second logic configured to establish...

20060129442 - Audio-visual electronic secretary device and method for the same: An AV electronic secretary suite is used in a computer, performed as an electronic calendar providing with AV records kept on one's own. A video and audio capture device is incorporated as peripherals on a PC. Prompts for an appointment may be recorded at a specified time, automatic AV reminders...

20060129443 - Content aware workflow builder and workflow engine: Devices, methods, and computer programs are disclosed for providing a graphical workflow programming environment for routing documents. First a workflow design platform is provided that comprises a process canvas for receiving at least one graphical workflow programming object. Next, a graphical representation of the graphical workflow programming object is provided...

20060129440 - Device and method for producing a processing tool: In an exemplary embodiment of the present invention, a method for producing a processing tool is provided. In the method, the processing tool processes at least one electronic workflow comprising working steps on a first data processing system, and a second data processing system is used for producing the processing...

20060129445 - System and method for scheduling a litigation event: A system and method for scheduling witness depositions and other litigation-related events has been developed. The computer communications network-based system provides improved systems and methods that are more efficient and less costly than currently available scheduling systems and methods....

20060129446 - Method and system for finding and aggregating reviews for a product: The embodiments disclosed herein include new, more efficient ways to collect product reviews from the Internet, aggregate reviews for the same product, and provide an aggregated review to end users in a searchable format. One aspect of the invention is a graphical user interface on a computer that includes a...

20060129447 - Methods and software arrangements for sales force effectiveness: A business planning solution for sales force effectiveness in promoting products in a target market is provided. The planning solution analyzes sales and market data to identify target market segments that are likely to respond to sales force activity. Business resources can then be allocated to optimize sales force activity....

20060129450 - Environmental compliance certification: An improved method for certifying that a manufacturing facility is capable of producing quality products of a particular type is disclosed. The improved method may comprise auditing the manufacturing facility against a process standard and issuing a certification to the process standard if the manufacturing facility passes the audit. This...

20060129449 - Hierarchical performance awards and redemption program: A hierarchical method of awarding points for meeting performance objectives and providing redemption thereof is provided. The method comprises providing a general purpose computer capable of executing computer instruction code and providing a software application comprising the computer instruction code capable of carrying out the following steps; assigning indicators of...

20060129448 - Life management skills enhancement program: h

20060129458 - Method and system for interacting with on-demand video content: A network can provide a user with remotely accessible video content. Sending or transmitting a prompt, request, message, or demand from a user site can trigger the transmission or downloading of video content for viewing, such as on a home television system. The user can interact with the downloaded video...

20060129455 - Method of advertising to users of text messaging: A method of advertising to users of text messaging involves serving into an exchange of text messages advertisements, which are linked to selected keywords used in the exchange of text messages....

20060129454 - Methods and systems for implementing a group buy: Methods and systems for utilizing consumer transaction data to target and aggregate consumers for a group purchase involve maintaining a database storing transaction data consisting at least in part of data related to product purchase transactions for a plurality of consumers and analyzing the data related to product purchase transactions...

20060129453 - System and method for display advertising: A technique for display advertising on Internet “Web” pages is disclosed. The technique is used by an advertising intermediary that matches available advertising inventory from a network of publishers with the needs of advertisers who engage in advertising campaigns. The advertising intermediary sets a range of prices it will pay...

20060129457 - System and method for evaluating and/or monitoring effectiveness of on-line advertising: A system and a method for measuring and monitoring effectiveness of on-line advertising are provided. The system and method provide a code attached to, for example, an advertising banner of a company that may advertise goods and/or services of the company. The code provides a signal to a server when...

20060129451 - System and method for online targeted billboard advertising: A system and method are provided for delivering a message while simultaneously promoting a brand in a trusted online environment. The system may include a sponsor selection mechanism for allowing a communicating user to select at least one sponsor from a list of provided sponsors. The system may additionally include...

20060129452 - System and method for utilizing a multifaceted entity profile: A system and method for utilizing a multifaceted entity profile are disclosed. A method incorporating teachings of the present disclosure may include identifying a first to be profiled entity and inputting a demonstrable characteristic for the first entity into a predefined and multifaceted profile template. The demonstrable characteristic may include,...

20060129456 - Systems and methods for processing a rebate: According to some embodiments, systems, methods, and/or articles of manufacture are associated with identifying a product associated with a first rebate, the first rebate being redeemable by mailing a predetermined document associated with the first rebate to a first entity associated with the product, determining whether a second rebate is...

20060129462 - Automated planning and manufacturing systems: A system is provided for part ordering, design, and manufacturing. A manufacturer computer system is provided which comprises a parametric design mechanism to specify geometries of the part with parameters, an intelligent geometry portion, a 3D solid modeling function, and one or more simulation components. The intelligent geometry portion determines...

20060129461 - Data entry and system for automated order, design, and manufacture of ordered parts: A part data entry system is provided. In that system, an order processing template is provided to facilitate sales and order processing, tool planning, CA (computer aided) (e.g., CAD/CAM) parametric modeling, computer simulation, and the generation of a factory machine program. The order processing template comprises financial and manufacturing engineering...

20060129467 - Information distribution system: A system and method that enhances the “focus” of information exchanged between sellers and buyers. Buyers identify potential sources for goods and services that are desirable to the buyer. Buyers can focus their access to listings of seller information by identifying desirable attributes, including but not limited to: geography attributes...

20060129460 - Internet service provider branded facades: A system and method that allows an Internet Service Provider (ISP) to attract and keep more subscribers (while greatly reducing the funds needed for advertising, branding and promotion) by marketing an entity (e.g., a nonprofit organization) as the provider of an Internet services and offering the Internet service on behalf...

20060129463 - Method and system for automatic product searching, and use thereof: A client application monitors web pages visited by a consumer and determines if the visited web page is product oriented and, if so, then contacts a product server to automatically retrieve and display corresponding product purchasing information if available in product centric database. However, if the web page is not...

20060129459 - Method and system for the secure distribution of software via a communications network: Aspects for distributing software via a network may comprise requesting user identification utilized for tracking an online software order. A pickup code associated with the online software order may be generated. Downloads associated with the online software order may be tacked based on at least the pickup code and/or an...

20060129465 - Retail order processing method: An order processing method including transporting a photographic film roll from a retail location to a service fulfillment location located remotely from the retail location to produce at least one digital image associated with the photographic film roll; generating an update media comprising the at least one digital image; transporting...

20060129466 - Sales assistance system and method thereof with using computer network: A sales assistance system and method which allows a user to buy goods from stores near the user without directly purchasing the goods on a computer network. The system includes a server connected to a plurality of client terminals through the computer network. The server inputs a request to buy...

20060129464 - System and method for gathering and analyzing consumer preference data: A method and an apparatus for gathering and analyzing consumer preference is disclosed. The method includes steps of providing offers; collecting consumer preference for the offers and analyzing the consumer preference by ranking the preference and applying pre-defined policy functions to obtain the most preferable specification with respect to the...

20060129469 - \"plan\" fund: Couple would make list of all friends/family. List would be typed into an internet program and used to set up empty accounts. Program would also print the appropriate mailing information to insert into couples' wedding announcements/invitations. Mailings would contain information about how to add money to the couple's future home...

20060129468 - Financial management system: A financial management system including presentation means for presenting financial information to a user wherein at least some of the financial information is represented by at least one graphic, manipulation means for manipulating the at least one graphic in response to an action of a user, and modifying means for...

20060129472 - Method and system for tracking derivatives positions and monitoring credit limits: A derivatives position tracking system that consists of a centralized trading engine with a trade history database capable of communication with a plurality of counterpart computers via a network to enable the execution of a derivatives transaction. The trading engine and counterpart computers enable the counterpart computers to initiate, unwind...

20060129471 - Methods and systems for managing financial accounts: Computer-implemented methods and systems for managing a special-purpose financial account involve establishing the account by a financial institution for a consumer relating to at least one consumer-designated future purchase for a pre-determined purchase price. Thereafter, contributions to a principal balance of the account are received and interest is accrued on...

20060129470 - Sensitivity based data processing apparatus and method: A data processing technique is provided that may be applied for trading and clearing a futures contract, and more generally, for processing data structures identifying two resources terminating at different times, a time instance earlier than these termination times, and a numeric data value which is time independent. At this...

20060129473 - Controlling an order slicer for trading a financial instrument: In one aspect, the present invention provides an order slicer that receives an order that to trade a financial instrument. The order associates a trading strategy with said order. The trading strategy is replaceable. In another aspect, an interface accepts a trading strategy of an order to trade a financial...

20060129474 - Electronic trading system: A client for trading on an electronic exchange is disclosed. The client has a graphical user interface (GUI) that includes the following components. a) A price region comprising a plurality of cells arranged along a locus within each of which a price can be displayed; b) An order region adjacent...

20060129475 - Method and system for providing configurable features for graphical user interfaces for electronic trading: A method and system for providing configurable features for a multi-windowed graphical user interface (GUI) for electronic trading. The configurable features include, but are not limited to, creating collective windows comprising plural individual windows, where the collective window functions like an individual window, collapsing plural windows with a single action...

20060129476 - Sales system with buyer price selection: A networked sales method is disclosed that includes presenting price choices to a user for an item on a sales screen via a network. Available supply and sales activity level information about actions by other users for the item for which the price choices are presented can be converted into...

20060129477 - System and method for trading and originating financial products using a computer network: The invention relates to systems and methods for trading financial products over a computer network, such as the Internet. In one embodiment, the invention provides a method for trading financial products over a computer network. Seller information is received from a first client, the seller information relating to a financial...

20060129478 - Automated short term loans: Automated techniques for providing loans, such as short term loans, include receiving a telephonic loan application from a customer and electronically verifying information in the telephonic loan application. Based on the results of the verification, a determination is made as to whether to provide the loan. When the loan is...

20060129480 - Credit card interest rate exchange and reduction method: A credit card interest rate exchange and reduction method to benefit consumers who hold relatively high interest credit card debt and banks looking to invest non-income producing idle or excess cash on hand in the consumer marketplace. An intermediary solicits individual consumers who wish to reduce the interest rates that...

20060129479 - Method and system for auction trading: Provided is a method and system for auction trading which enables transactions to be time shifted. A first sale transaction of a first participant selling to a second participant for a first price is processed. A second sale transaction of the second participant selling to a third participant for a...

20060129482 - Methods and systems for managing real estate property: A method for controlling workflow relating to an acquisition or leasing of a facility is provided. The method utilizes a real estate management system that includes a computer coupled to a database. The method includes selecting a location for a potential facility being considered for a transaction including at least...

20060129481 - System and method for self-monitoring credit information: There is provided a method for monitoring business information. The method includes the computer-implemented steps of automatically and periodically accessing business information on a business entity from one or more databases, updating a business information database with the business information, updating at least one business information report on the business...

20060129485 - Business method for credit card verification: A means by which possession of a credit card can be validated in transactions over the Internet is presented. As part of the payment transaction, a vendor instructs the user to use an electronic camera to take a picture of the credit card in a specific situation, such as being...

20060129484 - Exception reporting and management: This invention provides systems and methods that minimize or remove human intervention during the payment media handling process on the shop floor, in the back office and at the cash-in-transit place. By automating processes and providing physical, tamper evident secure means for transporting the payment media, it is possible to...

20060129483 - Method for transacting a trade electronically, and a system therefor: A method for electronically transacting a trade between a commercial provider and a customer of a merchant. The method is also for electronically paying all of the participants involved with enabling the transaction from the payment made by the customer in consideration of the trade. The method involves entering into...

20060129486 - Quantum cash system and quantum cash apparatus: An aspect of the present invention relates to a quantum cash system and a quantum cash apparatus which can inhibit even forgery in which quantum verification information is transformed using inverse transformation data, thus improving security. In order to allow quantum cash to be validly used, a quantum cash holding...

20060129487 - Methods and apparatus for providing agent controlled synchronized browsing at a terminal: Establishing a (secure) synchronized (web) browsing session between a customer at a first terminal (such as a kiosk for example) and a live agent at an agent station. A session manager may be used to establish this session. The first terminal does not need to download an applet from the...

20060129489 - Model-based synthesis of band moire images for authentication purposes: The present invention relies on a band moiré image layout model capable of predicting the band moiré image layer layout produced when superposing a base band grating layer of a given layout and revealing line grating layer of a given layout. Both the base band grating layer and the revealing...

20060129488 - Shared authorization data authentication method for transaction delegation in service-based computing environments: A system and method for allowing client computers to access data or processing on remote computers without requiring the remote computer's recognition of the client computer. An authorizing computer provides client computers with a data specification and remote computer address along with an authorization code that may only be used...

20060129491 - Method for detecting security module for link protection in ethernet passive optical network: The present invention provides a method for detecting a security module for link protection in an EPON, wherein an OLT and an ONU in the EPON can check whether or not an encryption module is present in each other and check the configuration of each other in order to avoid...

20060129490 - System, method, and service for delivering multimedia content by means of a permission to decrypt titles on a physical media: Enhanced multimedia content on physical media interacts with the user through a media player and the Internet. Enhanced multimedia utilizes IDs for pieces of content on the media and a media key block. On the enhanced media is a file with a list of URLs. As the enhanced media plays...

20060129492 - Usage rights grammar and digital works having usage rights created with the grammar: A digital work for enforcing use of digital content, including electronically recording digital content and usage rights associated with the digital content and which can specify a manner of use of the digital content, and conditions for exercise of the manner of use. The usage rights and conditions can include...

20060129493 - Usage rights grammar and digital works having usage rights created with the grammar: A method and system for enforcing use of digital content, including electronically recording digital content and usage rights associated with the digital content and which can specify a manner of use of the digital content, and conditions for exercise of the manner of use. The usage rights and conditions can...

20060129494 - System and method for providing rental software, and rental software providing server and wireless terminal thereof: A rental software providing system and a method thereof, and its rental software providing server and a wireless terminal are disclosed. The rental software providing system using a prefetching scheme includes: a wireless terminal for notifying a network connection state, and a hardware state of the wireless terminal to a...

20060129495 - Digital content reproducing apparatus and method thereof: The user terminal (110) is composed of the following: a license purchase unit (603) for obtaining a license (500) indicating a content usable time (502) of a content data (200) composed of a plurality of elements (203), each of which can be replayed individually; an availability judgment unit (604) for...

20060129496 - Method and apparatus for providing digital rights management: A method and wireless mobile device employs a virtual file system (706) and a digital rights management file system (708), at an operating system level, and a user space digital rights manager (712), at an application or user space level. The user space digital rights manager (712) is operative to...

20060129497 - Methods, apparatus, media, and signals for billing utility usage: Methods, apparatus, computer readable media, and signals for managing utility usage are disclosed. Generally, each involves receiving a representation of a utility service usage at a load, receiving and storing a usage range representation, and producing a control signal for use by a utility service interrupter, when the usage is...

20060129498 - Methods, apparatus, media, and signals for monitoring utility usage: Methods, apparatus, computer readable media, and signals for managing utility usage are disclosed. Generally, each involves receiving a representation of a utility service usage at a load, receiving and storing a usage range representation, and producing a control signal for use by a utility service interrupter, when the usage is...

20060129499 - Integrated proxy interface for web based data management reports: An Intranet/Internet/Web-based data management tool that provides a common GUI enabling the requesting, customizing, scheduling and viewing of various types of unpriced call detail data reports pertaining to a customer's telecommunications network traffic. The Intranet/Internet/Web-based reporting system tool comprises a novel Web-based, client-server application that enables customers to access their...

20060129501 - Generation, distribution and verification of tokens using a secure hash algorithm: Methods, systems, and apparatus for generation, distribution and verification of tokens are described. In an implementation, a method is described in which a value of an offer is determined and a token for representing the offer is generated. The token has a number of characters based on the determination of...

20060129500 - Method for managing pay parking spaces using electronic parking tickets: The invention concerns a method for managing pay parking spaces of the type using a terminal (1, 10) providing, against payment, a parking ticket (2, 20, 21) to a user. The ticket bears an authorized parking time limit corresponding to the payment and is designed to be left in the...

20060129502 - Generation, distribution and verification of tokens using a secure hash algorithm: Methods, systems, and apparatus for generation, distribution and verification of tokens are described. In an implementation, a method is described in which a value of an offer is determined and a token for representing the offer is generated. The token has a number of characters based on the determination of...

20060129504 - Electronic settlement system, settlement apparatus and terminal: An electronic settlement system for settling a transaction through a communication network comprises a settlement apparatus which performs the settlement of the transaction; a billing terminal connecting to the settlement apparatus via the communication network; and a paying terminal, connecting to the settlement apparatus via the communication network, wherein the...

20060129503 - Message based network configuration of dynamic domain name services: Systems and methodologies that facilitate hosting of a domain name and access of users to the Internet, by using a well defined protocol to interact with a plurality of Dynamic Domain Name Service (DDNS) providers, via employing; a purchasing component and a status verifying component. Once a user has selected...

20060129505 - Method for equipping a franking machine with a weighing unit and franking arrangement equipped thereby: In a method for equipping (in particular retrofitting) a franking machine with a weighing unit, the weighing unit is connected with a processing device of the franking machine in a connection step, the weighing unit calibrated for a pre-calibration site. The connection of the weighing unit with the processing device...

20060116893 - Apparatus and method of collecting and monitoring shipment data: A system is described for colleting and monitoring shipment data, wherein one or more service providers can enter into the system shipment data that is indicative of the attributes of a plurality of customer shipments as one or more customers forwards at least one customer shipment through a shipment-cycle. The...

20060116899 - Apparatus and methods for processing items: Apparatus and methods for processing assets in a lockable container are disclosed. A decoupler receives information from the container or the asset in the container. The container may be associated with a security status, and the item may be associated with a processing status. The decoupler may move the container...

20060116887 - Balance management system: A system for enabling a user to simply and precisely grasp various information on balances occurring in one or more processes. The balance management system comprises a server (100) and is provided with a DB (information management means) (110), information acquiring means (120), information updating means (130), and information providing...

20060116895 - Business method for preserving the value of business assets: A business method for preserving the value of business assets, and more particularly, the value of assets that are subject to associated license agreements....

20060116890 - Electronic apparatus, method for controlling functions of the apparatus and server: An electronic apparatus, having functions on which use limitations can be imposed, in which a variety of functions are loaded on the electronic apparatus by hardware circuitry or by computer programs. Use of a certain function(s) is limited by setting a function limiting flag to “1”, provided that an other...

20060116889 - Fax order acceptance/order settling system: It is an object of the present invention to provide a FAX order receiving and placing settlement system, which is cheap and simple, and has high security, wherein, when order acceptance and placement for purchase goods are performed by using facsimile, settlement of account is performed automatically, thereby eliminating the...

20060116901 - Information providing method, recording medium, and server: An information providing method comprises the step of detecting a predetermined operation on first information displayed on a client terminal, the step of detecting a predetermined operation on second information displayed on the client terminal, the step of generating comparative information by comparing the first and second information when the...

20060116898 - Interactive risk management system and method with reputation risk management: An interactive risk management system and method using reputation risk reduction and an impact measurement analysis matrix are used for a business or other organization to generate a graphic display to the user, through the browser, to display a mapping of processes used in conducting the business or the affairs...

20060116888 - Method and device for the transmission of notifications: The disclosure relates to a method for the transmission of notifications wherein data from at least one data bank are transmitted to a central dispatch center, converted there into notification information, and the notification information transmitted to a communication interface and from the communication interface onto one or several receiver...

20060116900 - Method and system to enable, to organize, to facilitate, and to transact communications for a fee or cost born by a sender party (also known as a caller party) utilizing a network such as the internet: The present invention is a method and system for enabling, organizing, and facilitating the transmission of communication for a fee or cost over a network such as the Internet....

20060116891 - Method for using an electromagnetic scratchcard to provide services: The invention pertains to a system and a method for using an electromagnetic scratchcard (1) to provide services between a terminal (6) accessible to a service customer and an infrastructure. The system comprises a network (7) and a server (8) of a service provider, whereby an activation code (3) is...

20060116892 - Mobile telecommunications billing routing system and method: A system and method of enabling a transaction by a remote user for a service having an associated access number is described. The present invention enables a mobile user to pay for services and/or goods using their mobile telephone. A routing system is provided that is adapted to select the...

20060116897 - Server borrowing apparatus allocating server to user group and computer product therefor: A server borrowing apparatus, includes a storing unit that stores lender installation setting information which includes a setting item determined by a server lender for installation of a server which is lent out as resource, a receiving unit that receives a request to lend out the server as the resource...

20060116894 - Talent management and career management system: A multi-purpose talent management and career management system for connecting buyers and sellers of talent, directly or via intermediaries such as recruiters, through the use of visual and persistent talent pools. Individual hiring managers and recruiters can create and manage their own talent pools of highly attractive active and passive...

20060116896 - User-maintained contact information data system: There is provided a method and system to maintain published contact information. The system includes a storage facility to store contact information of a first entity at the system. The system further includes an interface to electronically publish, via a communications network, the contact information of the first entity to...

20060116909 - Compensated electronic consults: The present invention relates to a system and method for providing health care information to health care providers and for obtaining information pertaining to the practice of a health care provider by providing incentives for provision of such information....

20060116906 - Health care cash management and accounts receivable factoring: A Financial Management Company (FMC) purchases qualified receivables and other claims generated by a medical practice's performance of certain diagnostic and other medical testing services utilizing medical testing equipment leased through the FMC. Advance payment for the purchased accounts receivable (A/R) is made to the medical practice by the FMC...

20060116905 - In-room / in-home expedited delivery of prescription services: A method is described for processing a prescription request for a customer that includes information about the geographic location of the customer. The method includes receiving the request at a prescription claims processing center, including the information about the geographic location of the customer. A prescription service provider that operates...

20060116902 - Method and apparatus for workflow: A method and apparatus for the management of radiological images generated by mobile radiological imaging systems. A Mobile Access Station (MAS) server is coupled to a hospital's data management systems. The MAS server is coupled to a mobile radiological imaging system via a MAS client. The MAS server receives study...

20060116907 - System and method for improving performance of authorization for prescription drugs: A method is provided for utilizing a history database to process a prescription drug authorization request. One embodiment, among others, comprises the steps of: searching an authorization criteria database, producing authorization category records matching a drug identifier; for each of these records, adding a history record; receiving an authorization request;...

20060116903 - Systems and methods for providing insurance coverage to a customer: A method of providing insurance coverage to a customer comprising the steps of: (1) selling a debt protection contract to a customer; and (2) in response to the customer purchasing the debt protection contract, providing third-party-paid insurance coverage to the customer at no substantial cost to the customer. This may...

20060116908 - Web-based data entry system and method for generating medical records: An apparatus and method for generating a patient's medical record. The apparatus comprises a data input component that executes through a plurality of clinical, tree-like pathways that are traversed as data describing the patient's condition is entered, for example, by the physician during a clinical examination. At each node, the...

20060116904 - Wound electronic medical record system: Methods and apparatus for storing and reviewing wound data are shown using a digital datasheet, or wound electronic medical record (WEMR). The WEMR is preferably presented via a single page containing all data that should be considered by a wound healing provider, as predetermined by protocol. This includes, but is...

20060116910 - Condition analysis: The present invention provides a method of determining a treatment program for a subject. The method includes obtaining subject data representing the subject's condition. The subject data is used together with a model of the condition, to determine system values representing the condition. These system values are then used to...

20060116915 - Blanket insurance method and policy for insuring multiple unit dwellings: A blanket insurance method and policy for insuring the owner of an apartment or multi-unit dwelling from damage to his building caused by his tenant's unintentional acts comprising: inputting into a computer processor a database of building physical information, occupancy information, and tenant rental information; inputting into the computer processor...

20060116912 - Managing account-holder information using policies: Methods, systems, and machine-readable mediums are disclosed for managing account-holder information using policies. In one embodiment, the method comprises receiving service agreement information for an account-holder and generating a policy using the service agreement information. The policy includes a logical combination of one or more conditions to be satisfied and...

20060116914 - Method and system of identifying available reserve and subrogation funds for workers' compensation insurance carriers: A method and system to allow workers' compensation carriers to identify reserve and subrogation funds that are available due to unreported settlements or other resolutions of third party claims filed by a workers' compensation claimant. The method includes the steps of selecting pre-defined categories of workers' compensation claims to review...

20060116911 - Method for providing a disease management service: The present invention generally relates to the field of medical services and more specifically to the area of chronic disease management. It comprises a new method for providing a disease management service which utilizes nurse practitioners to engage in regularly scheduled virtual evaluation and management “office visits” with patients, using...

20060116913 - System, method, and computer program product for processing a claim: A system, method, and computer program product for processing a claim are described. The system may include at least one intake site, a plurality of reviewers, one or more service providers, a bill payer and a claim process engine that may all be coupled to a network. In accordance with...

20060116916 - System and method for allocating seats for a ticketed event: A system and method relates to allocating seats to a ticketed event. The method can include receiving a request for a number of seats at a ticketed event, selecting a first seat wherein the first seat is determined to be a best unassigned seat at the ticketed event, and determining...

20060116917 - Time polynomial arrow-debreu market equilibrium: A concept for providing a process and apparatus for allocating a gamut of assets/resources across a spectrum of consumers is described. The concept includes an apparatus for allocating resources across a spectrum of users. The apparatus includes one or more processors and a memory coupled to the one or more...

20060116918 - Network scheduler with linked information: A system and method of scheduling events offered and or created by one or more sales target having a network association with one or more rep and linking information to the event....

20060116919 - Efficient and flexible business modeling based upon structured business capabilities: The present invention extends to efficient and flexible business modeling based upon structured business capabilities. A computer system receives a plurality of business modeling attributes representing different layers of a business. The computer system extracts business capability attributes from among the received plurality of business modeling attributes. The computer system...

20060116922 - Efficient and flexible business modeling based upon structured business capabilities: The present invention extends to efficient and flexible business modeling based upon structured business capabilities. A computer system receives a plurality of business modeling attributes representing different layers of a business. The computer system extracts business capability attributes from among the received plurality of business modeling attributes. The computer system...

20060116920 - Methods and systems for forecasting with model-based pdf estimates: Disclosed herein are systems and methods for forecasting with model-based PDF (probability density function) estimates. Some method embodiments may comprise: estimating model parameters for a time series, calculating a PDF for the time series, and generating a forecast from the PDF. The model parameters may comprise a variance for a...

20060116921 - Methods and systems for profile-based forecasting with dynamic profile selection: Disclosed herein are systems and methods for profile-based forecasting with dynamic profile selection. Some method embodiments may comprise determining a reference set of profiles from a source set of profiles, and using the reference set of profiles to generate a forecast. The reference set determination comprises at least comparing a...

20060116923 - Electronic shipping system for package pickup and anywhere to anywhere delivery: The present invention is an improved shipping system that provides for third-party billing and shipment of a package from a first location to a second location where neither the first or second location is the location of the third-party. An embodiment is disclosed in which a pre-existing call-tag system is...

20060116930 - Computer system and method for development and marketing of consumer products: A computer-implemented method for the design and/or marketing of one or more consumer products based on an identified Icon includes capturing and storing in memory preferences of the Icon in accordance with at least one systematic survey of at least some of the preferences; creating one or more of a...

20060116928 - Distribution advertisement management system, method, computer-readable recording medium and computer data signal embedded in carrier: A management server receives an input of user information and registers it with a user information database, in response to an access request specifying an address recorded in an advertising medium. The management server further receives an input of an advertisement genre a user desires and registers advertisement genre information...

20060116931 - Internet-based frequency and award redemption system and method: An on-line frequency award program is disclosed. A user may access the program on-line and may browse a product catalog for shopping. The user may electronically place an order, upon which the program automatically checks the user's credit and electronically issues a purchase order to the supplying company. The program...

20060116932 - Internet-based frequency and award redemption system and method: An on-line frequency award program is disclosed. A user may access the program on-line and may browse a product catalog for shopping. The user may electronically place an order, upon which the program automatically checks the user's credit and electronically issues a purchase order to the supplying company. The program...

20060116926 - Method and system for internet publishing and advertising forums: The present invention provides a method and system for conducting online publishing and advertising forums that offers two essential benefits to authors, especially independent authors: 1) providing a centralized Internet repository for authors of all backgrounds, proficiencies, expertise and age groups to publish their knowledge, ideas, work, thoughts and opinions...

20060116927 - Method of creating and implementing a marketing plan for a retail store chain with measurable profit enhancement: A method of creating and implementing a marketing plan for a retail store chain includes the steps of developing a media and marketing plan tailored for the specific needs of a retail store chain including concentration on marketing of high margin products, implementing the plan in the retail store chain,...

20060116929 - On-line discount coupon: An embodiment of the present invention includes a technique to provide discount coupons for on-line transactions. A discount agent interacts with a client having client information in an on-line transaction allowing the client to purchase a product having product information from a seller. A discount coupon associated with the product...

20060116924 - System and method for delivering customized advertisements within interactive communication systems: The present invention is a system and method for delivering customized electronic advertisements in an interactive communication system. The customized advertisements are selected based on consumer profiles and are then integrated with offerings maintained by different content providers. The preferred interactive communication system interconnects multiple consumer computers, multiple content provider...

20060116925 - System and method(s) for marketing by providing information of life in a foreign country and/or area, via cd-rom, in the airplane and/or any vehicle in a language familiar to the passengers: The present invention provides a method(s) for marketing by providing information of life in a foreign country and/or area, including but not limited to advertisements via CD-ROM, in the airplane, other transportation vehicles, and/or terminals, mainly but not limited to international aircrafts transporting international passengers en route to a new...

20060116933 - Payment system for restaurant using electronic money: A payment system for restaurant having a reader/writer unit (100) and a control unit (300), wherein the control unit (300) includes a communication control section (310), which controls data communication with an external computer (500) via a network (400). The external computer (500) accesses to setting information stored in a...

20060116934 - Information communication system, user management apparatus thereof, information providing apparatus thereof and user terminal apparatus thereof: In an information communication system, user personal information is batch-managed in a user management center apparatus. The center apparatus issues temporary information, which includes temporary user information and temporary authentication information, in response to a log-in request from a user terminal apparatus that designates a net-shop apparatus, and sends the...

20060116935 - Cell phone based product research: A cell phone is used to access product information. The cell phone obtains a universal product code (UPC) for a product. A product identifier for the product along with a request for information about the product is sent from the cell phone to a remote site. The remote site obtains...

20060116936 - Inventory order fulfillment systems and methods: A system and method which allows third-parties to monitor company inventory via the Internet and World Wide Web (“web”) and automatically order needed items. The present invention also provides a forum through which resellers and customers may directly interact to resell surplus and used equipment. The present invention may also...

20060116937 - Parts requirement planning system across an extended supply chain: A system of managing a supply chain via a computer network that includes a manufacturing enterprise is provided. The system includes a host system, a network link to at least one supply chain entity, and an a-source application executing on the host system. The a-source application processes a bill of...

20060116938 - Method for the electronic payment of a merchandise or service by using a mobile radio network, and arrangement for carrying out said method: The invention relates to a method allowing a client to electronically pay at least a minimal amount for a merchandise or service to a retailer by using a data network and/or telecommunication network with the aid of an accounting system server. An unambiguous process identifier is generated for the payment...

20060116945 - Apparatus of quantifying operational risk, and method therefor: An apparatus of quantifying operational risk includes a transaction amount input unit to input a transaction amount, a loss rate density input unit to input a loss rate density corresponding to a probability density when setting a loss rate in a loss event to a random variable, a massive loss...

20060116944 - Digital computer system for a synthetic investment and risk management fund: A computer system implementing at least one investment. A computer has a processor, connected to a memory device, to an input device, and to an output device, the processor programmed to control steps including: forming a synthetic investment fund by entering, as some of the input information, at least one...

20060116948 - Installation and method for trading in inflation: (b) calculation of a cash value of the at least one inflation correction value for the coupon value CV in year i making use of the coupon value CV, the future index data Ii and the interest rates inti; (c) presentation of a purchase price to a purchaser at which...

20060116941 - Investment vehicle for guaranteed lump sum payout and rollover/income option: An investment vehicle that returns a stated payout to an investor where an entity invests an amount necessary to return the payout based on expected known outcomes to achieve market compounded rates of return is described....

20060116946 - Method and apparatus for facilitating management of information technology investment: A method, product and system are disclosed for generating and facilitating user navigation among one or more investment maps and corresponding scorecards generated using stored data associated with performance metrics of a several information technology (IT) projects....

20060116947 - Method and apparatus for facilitating management of information technology investment: A method, product and system are disclosed for generating and facilitating user navigation among one or more investment maps and corresponding scorecards generated using stored data associated with performance metrics of a several information technology (IT) projects....

20060116942 - Method and system for implementing option interests in real property: The invention is a method and system of implementing option interests in real property. The owner of the property receives funds from an investor, which can be used to provide the property owner with income for living expenses or to use to lower the property owner's financing costs. In exchange...

20060116943 - Method to determine price inflections of securities: The present invention provides a method to detect buying or selling activities of large market players of a given equity, compared to the activity of smaller players. For a set of consecutive trading sessions, the method analyses only trading data (open/high/low/close/volume) aggregated into regular intervals such as one-minute, two-minutes or...

20060116939 - Set of equipment for the preparation and execution of the financial performance of a business transaction between a seller and a buyer: The invention relates to a set of equipment according to the invention for the preparation and execution of the financial performance of a business transaction between a seller and a buyer, which contains an internal communication unit belonging to the seller's financial institution and an internal communication unit belonging to...

20060116940 - System and method for order purchasing and fulfillment: A system and method for managing product orders coordinates corresponding retail and wholesale orders, to provide efficient settlement and distribution of funds to all parties involved. The systems and methods disclosed do not require retailers to carry an inventory of products, and the processing of the retail order and its...

20060116949 - System for automatically transferring account information, such as information regarding a financial services account: A system for transferring a customer's account information from one account to a new account is described. The system utilizes a switch kit application and associated system that can determine services at the old account and facilitate the transfer of these services to the new account....

20060116950 - Prioritizing product development lines: Systems and methods are disclosed for maintaining building serviceability information for geographic locations. The disclosed systems and methods may include forming a future market in which the product developments lines are equated to stocks. Furthermore, the disclosed systems and methods may include determining participants in a trading session of the...

20060116951 - Method and system for living expense arbitrage across borders by retirees: This invention identifies the economic benefits of living in a foreign country, where the cost of living is a fraction of the cost of living in the U.S., for retirees. Specifically, the method addresses the needs of those retired homeowners who will consider living abroad only a portion of the...

20060116952 - System and method for creating electronic real estate registration: A system for providing a registered land asset includes a property transaction database in communication with a computer network the property transaction database provides information related to transactions associated with each registered land asset parcel, each land parcel having a registered land asset identifier representing global coordinates particular to the...

20060116954 - Method and system for merchant processing of purchase card transactions with expanded card type acceptance: Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant accepts, and merchant-specific transaction processing parameters are associated with each card type. During transaction processing, a card type for...

20060116955 - Method and system for merchant processing of purchase card transactions with expanded card type acceptance: Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant accepts, and merchant-specific transaction processing parameters are associated with each card type. During transaction processing, a card type for...

20060116953 - Purchasing system and method: A network based system having a central server, at least one buyer computer and one merchant computer belonging to a reseller entity, at least one computer belonging to a reseller contact, the server receives information and saves information about the buyer, reseller and entities having permission to assign from agent...

20060116958 - Billing system, mobile terminal, and billing method: To provide a billing system capable of simplifying user's operation and quickly performing a billing process even in the case where there exist a plurality of terminals for billing. A billing system 1 according to the present invention is a billing system for implementing billing by transmitting billing information transmitted...

20060116959 - Billing system, mobile terminal, and billing method: To provide a billing system capable of simplifying user's operation and quickly performing a billing process even in the case where there exist a plurality of terminals for billing. A billing system 1 according to the present invention is a billing system for implementing billing by transmitting billing information transmitted...

20060116957 - Method and apparatus for facilitating online payment transactions in a network-based transaction facility: A method and a system to transfer payment to a seller associated with a transaction facility are described. In one aspect, a risk level involved in a payment transaction using a scoring algorithm is evaluated based on seller-specific criteria; and a payment is processed based on the evaluation....

20060116956 - System and method for automated payment and adjustment processing: A system and method for automated adjustment processing using pre-configured sets of business rules is provided. The seller pre-configures a set of business rules for use in processing an adjustment for a specific buyer. The set of business rules may be variable for each buyer and/or globally set. When a...

20060116960 - Transfer instrument: A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national...

20060116961 - Method and apparatus for processing checks into an electronic funds transfer system: A method of processing a check in an electronic funds transfer system, includes storing financial information, such as a routing number and an account number, obtained from at least one financial institution at predetermined times per year, in a database; receiving check information from a first financial institution; comparing the...

20060116962 - Information processing terminal, business information processing device, delivery information processing method and delivery information processing system: This invention provides a delivery system which enables desired day and time of delivery and a relevant address and name to be notified to a delivery service operator while keeping the point of contact whose disclosure is not desired by the receiver of delivery. A business information processing device, using...

20060116963 - System and methods providing secure delivery of licenses and content: A computer network having a requesting node and a providing node permits data transfer therebetween when permitted by an authorizing node. Reports generated in response to authorizations and reports generated in response to data transfers are reconciled at a reconciliation node to improve the accuracy of payments collected and paid...

20060116964 - System and methods providing secure delivery of licenses and content: A computer network having a requesting node and a providing node permits data transfer therebetween when permitted by an authorizing node. Reports generated in response to authorizations and reports generated in response to data transfers are reconciled at a reconciliation node to improve the accuracy of payments collected and paid...

20060116965 - Content delivery apparatus and content reproduction apparatus: A server apparatus 20 that is connected, through a communication network 11, to a mobile terminal 40 for reproducing a content and to a ticket gate machine 30. The ticket gate machine 30 detects that a user's entrance into a station area or boarding onto a vehicle, identifies at least...

20060116967 - Method of and a system for distributing digital contents: In a digital content distribution method to distribute digital contents via a network, distribution of a digital content is instructed according to a distribution schedule, the digital content is distributed according to the distribution schedule indicated, and a particular digital content is selected from the digital contents distributed and is...

20060116966 - Methods and systems for verifying protectable content: A license for a first component of a protectable content is verified and a license for a second component of the protectable content is verified. A license for the protectable content is then verified based at least in part on the verification of the license for the first component and...

20060116968 - Method and system for transmitting electronic value information: A method and system of transmitting electronic value information between terminals. The method includes the steps of: authenticating each other between a transmission source terminal and a destination terminal; sharing authentication for common information obtained by the authentication; encrypting data including the electronic value information to be transmitted; transferring the...

20060116969 - Memory card: A memory card 110 extracts a session key Ks from the data applied onto a data bus BS3 by carrying out a decryption process. An encryption processing unit 1406 encrypts a public encryption key KPcard(1) of memory card 110 based on session key Ks, and applies the encrypted key to...

20060116970 - System and method to grant or refuse access to a system: A new system to grant or refuse access to a system, comprising a portable access device communicating with a terminal of an access point, wherein the portable access device comprises a storage means. A set of trust parameters is stored on the storage means, the set of trust parameters being...

20060116971 - Systems and methods for selecting postal indicia image formats: According to some embodiments, a method of operating a postal indicia printing apparatus comprises storing, in the apparatus, a first indicia image format comprising a first dimension, storing, in the apparatus, a second indicia image format comprising a second dimension that differs from the first dimension, prompting a user of...

20060116972 - Integrated parking meter system: This invention concerns an integrated parking meter system, and a method for controlling the same, capable of preventing inadvertent over-time parking or over-paying parking, which comprises a central control system, a parking meter, and a data communication system. The data communication system connects the parking meter to the central control...